Assurant Renters Insurance Review: Expensive Rates and Bad Customer Service
Assurant is expensive, and its customer service tends to be bad. If you need renters insurance, shop around and think about getting coverage from another company.
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Get Assurant if:
- You want coverage for damage caused by pets
- You just want to meet your landlord's requirements
Skip Assurant if:
- You want good customer service
- You want cheap rates
Overall ValuePenguin rating: 2.5/5
Rating breakdown | |
|---|---|
| Price | 1.7/5
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| Coverage | 5/5
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| Customer service | 0/5
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| Unique value | 5/5
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Pros and cons
Pros
- Optional coverage pays for pet damage
- Coverage for bedbug damage
- Offers a bare-bones policy to meet your landlord's requirements
Cons
- Expensive rates
- Difficult claim process
ValuePenguin's insurance experts evaluate companies based on cost, coverage options, customer service and unique features. Our team includes licensed insurance agents with real-world experience selling and handling renters insurance policies. ValuePenguin reviews are always independent and unbiased.
Read the full breakdown of how ValuePenguin reviews insurance companies.
Alternatives to Assurant renters insurance
Assurant renters insurance cost
Renters insurance from Assurant costs $26 per month, on average.
- That's $3 more per month than the national average of $23 and twice as much as the same coverage from State Farm.
- If you want a cheaper policy, get quotes from State Farm, Lemonade and Amica.
- Only Farmers and American Family have average rates that are more expensive than Assurant's.
Find Cheap Renters Insurance Quotes in Your Area
Average cost of Assurant renters insurance vs. other companies
Company | Monthly rate | |
|---|---|---|
| State Farm | $13 | |
| Lemonade | $16 | |
| Amica | $20 | |
| Allstate | $24 | |
| Progressive | $24 | |
| Assurant | $26 | |
| Farmers | $30 | |
| American Family | $41 | |
Average monthly rates are for a policy with $30,000 of contents coverage and $100,000 of liability coverage.
Assurant renters insurance coverage options
Assurant offers a few useful renters insurance coverages, including options for earthquakes and damage caused by pets.
Coverage options are also called "endorsements," and they can be used to improve your coverage and tailor it to your specific needs.
- Pet damage: If your dog or cat damages your stuff, pet damage coverage pays to repair or replace it.
- Sewer backup: This option covers damage to your stuff caused by a backed-up pipe or drain line. It's especially important if you live in a basement apartment.
- Earthquake coverage: This can cover the damage to your stuff if your apartment or rented home is damaged by an earthquake.
- Identity fraud coverage: If your identity is stolen, this coverage helps pay for the cost to restore it.
Remember that these are add-on coverages. They're not typically part of a standard Assurant plan. If you want coverage for these scenarios, you have to pay extra.
Assurant policies may also cover damage caused by mold. Depending on where you live, you might also have coverage for bedbugs and for food spoilage if the power goes out. Assurant also sometimes covers the cost for you to stay in a hotel or rent another place if your apartment is damaged by a flood.
And like all renters insurance, Assurant policies can also include contents coverage for your stuff and liability coverage in case you're found at fault for someone's injuries or damage to their belongings.
Assurant also offers a liability-only renters policy, which isn't common. With this type of policy, you only have coverage if you cause damage to someone else's stuff or are found at fault for their injuries. That's the type of coverage you need to meet the requirements that most landlords have. But you won't have any coverage for your stuff, so you have to pay to replace or repair things if they're damaged.
Assurant renters insurance discounts
Assurant doesn't advertise renters insurance discounts.
You might be able to avoid billing fees by paying in larger installments, such as quarterly or annually. But you may not be able to get the discounts that other companies offer, such as savings for having fire extinguishers, not having a claim on your insurance history, going paperless or getting your policy early.
Assurant customer service reviews and ratings
Assurant customers complain often about the company's claims process.
On average, Assurant gets nearly seven times as many complaints as expected for a company its size, according to the National Association of Insurance Commissioners (NAIC). You can find better customer service with most other companies.
Most of the complaints are about claims and include issues with delays, low payout amounts, denials and problems with claims adjusters.
Assurant uses three companies, called underwriting companies, for its renters insurance. All three companies get more complaints than average.
Company | States | Complaint index |
|---|---|---|
| American Bankers Insurance Co. of Florida | All states and Washington, D.C. | 3.08 |
| American Security Insurance Co. | All states except New Hampshire | 15.55 |
| Voyager Indemnity Insurance Co. | Georgia | 2.21 |
Complaint index data is from the National Association of Insurance Commissioners (NAIC). An index of 1.00 represents an average, baseline level of complaints. Indexes above 1.00 mean more complaints. Indexes are accurate as of Oct. 4, 2026.
Frequently asked questions
Is Assurant a good renters insurance company?
Assurant is not the best renters insurance company for most people because it's expensive and has bad customer service. State Farm, Lemonade and Amica are all better options.
How much is Assurant renters insurance?
On average, renters insurance from Assurant costs $26 per month. The national average is $23 per month, which means Assurant is more expensive than average.
What is the Assurant renters insurance phone number?
You can reach Assurant at 1-866-312-3125 to buy a renters insurance policy. If you have questions about your current policy, call 1-800-432-8612. And if you need to file a claim, call 1-800-358-0600.
Methodology
To find the average cost of renters insurance from Assurant and other top companies, ValuePenguin got quotes from the largest renters insurance companies in each state where data was available. Rates are from 2024 and are for a 30-year-old single man who doesn't have pets or roommates. The quotes use an apartment in a multiunit building and have the following coverage limits:
- Personal property: $30,000
- Personal liability: $100,000
- Medical payments: $1,000
- Deductible: $500
Our experts rate insurance companies by comparing average rates, coverage options, customer service and any unique features that each company offers. Customer service info comes from the National Association of Insurance Commissioners (NAIC) complaint index and from J.D. Power's annual surveys, if a company is included.
About the Author
Senior Writer
Licensed Insurance Agent
Cate Deventer is a Senior Writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
- NBC
- Wall Street Journal
Education
- BA, Theatre, Purdue University
- BA, English, Indiana University
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
