How to switch renters insurance

Switching renters insurers is quick and low-risk. Here is how to do it without a coverage gap.

By the InsuranU team Updated July 20262 min read

Renters insurance is simple enough that switching insurers rarely causes complications, as long as U follow a sensible order.

Line up the new policy first

Get your new policy active before canceling the old one, so there is no gap in coverage, even briefly.

If your lease requires proof of insurance, send your landlord updated documentation as soon as the new policy is active.

Most renters policies can be canceled without penalty, but confirm with your current insurer before you switch.

Compare matched options in a few minutes. It is free and there is no obligation.

More from the renters insurance checklist.

What separates a strong renters insurer.

What your landlord actually needs to see.

See the real ranges, with a live estimator.

Will I get a refund from my old insurer?

Usually a prorated refund for the unused portion of your term.

Do I need to notify my landlord when I switch?

Yes, if your lease requires proof of insurance, send updated documentation right away.

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