Bad things happen…

And most Americans are living check to check. Could you afford to pay your rent if you couldn’t work?

…and they happen a lot

Over 1 in 4 of today’s 20 year olds will experience a disability at some point in their lives.

…and they happen a lot

Over 1 in 4 of today’s 20 year olds will experience a disability at some point in their lives.

Help when you need it most

If you can’t work because of illness or injury, renters disability insurance pays up to $2,000 a month in rent so you can focus on getting better.

“In 2017 I was sick and out of work for nearly 9 months without pay, and this would have been a huge, HUGE help!”

Renters disability insurance FAQs

If, like 78% of Americans, you’re living check to check (or close to it), then you could be one stroke of bad luck away from a complete financial disaster. If you were to get seriously ill or injured and couldn’t work for longer than a month, could you afford to keep paying your bills without an income? That’s what renters disability is for.

Renters disability insurance provides replacement income, so if the paychecks stop, you can keep paying rent and focus on getting better, rather than fighting an eviction notice.

If you suffer a serious injury or illness that keeps you out of work for longer than 30 days, you’ll get a check to cover your living expenses. You can decide when buying a policy how much coverage you want, up to $2,000 a month. (The larger the monthly payout, the larger the premium.)

If you only want to cover rent, you can choose just that amount. Or if you also want to have money for food and electric bills, you can buy more protection. Either way, the checks come directly to you, so it’s your decision.

One caveat – you can only buy up to 60% of your income, so if you make $3,000 a month, the largest amount of protection you can buy is $1,800 a month. (That’s the case with almost all disability policies, as a way to prevent fraud and intentional injuries.)

You’ll receive benefits for any critical injury or illness that happened after the policy start date and that prevents you from working full time.

There are a few limitations. Pregnancy, addiction, mental disorders, elective procedures (i.e., those that were not deemed medically necessary) and injuries that are self-inflicted, a result of extreme sports or illegal activities will not be covered. Pre-existing conditions are also not covered. (These might vary by state, so consult the policy docs for more detail.)

See the full FAQs

About the underwriter

Highly rated

Underwritten by an A- rated carrier



Benefits start after just 30 days



120-year history and $2 billion in assets

Get a quote

Cover your rent if you get sick or hurt and can’t work, starting at just $11 a month. Click below to schedule a quote – it only takes a few minutes.