Renters Insurance

Average Cost of Renters Insurance (2021)

Average Cost of Renters Insurance (2021)

The average renters insurance policy costs about $19 a month. Find out where you can get it for less.

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woman moving into her new apartment

Only 40% of renters have renters insurance coverage, but that doesn't mean you should pass on getting a policy for yourself. Renters insurance is a cost-effective way to protect your belongings against theft, accidental damage and more.

To start, we’ll take a look at renters insurance rates in different states. Then we'll go over the factors that can affect the cost of your coverage. Finally, we’ll show you how to apply that information to choose a renters insurance policy that's both affordable and effective.


Average renters insurance rates by state

Nationally, the average cost of renters insurance is $19 per month, but the rates you see may differ based on where you live. That's because the likelihood of perils such as fire, storms and theft varies from place to place. To understand these differences, we gathered data on the average cost for renters insurance in each state.

State
Average monthly cost
Average annual cost
Alabama$29$346
Alaska$16$187
Arizona$17$204
Arkansas$30$360
California$16$195
Colorado$15$180
Connecticut$19$228
Delaware$20$245
Florida$29$348
Georgia$25$300
Hawaii$19$224
Idaho$16$192
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href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-connecticut\"\u003EConnecticut\u003C\/a\u003E\u003C\/span\u003E","$19","$228"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Delaware\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-delaware\"\u003EDelaware\u003C\/a\u003E\u003C\/span\u003E","$20","$245"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Florida\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-florida\"\u003EFlorida\u003C\/a\u003E\u003C\/span\u003E","$29","$348"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Georgia\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-georgia\"\u003EGeorgia\u003C\/a\u003E\u003C\/span\u003E","$25","$300"],["Hawaii","$19","$224"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Idaho\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-idaho\"\u003EIdaho\u003C\/a\u003E\u003C\/span\u003E","$16","$192"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Illinois\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-illinois\"\u003EIllinois\u003C\/a\u003E\u003C\/span\u003E","$14","$168"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Indiana\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-indiana\"\u003EIndiana\u003C\/a\u003E\u003C\/span\u003E","$20","$240"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Iowa\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-iowa\"\u003EIowa\u003C\/a\u003E\u003C\/span\u003E","$17","$204"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Kansas\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-kansas\"\u003EKansas\u003C\/a\u003E\u003C\/span\u003E","$17","$204"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Kentucky\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-kentucky\"\u003EKentucky\u003C\/a\u003E\u003C\/span\u003E","$18","$218"],["Louisiana","$37","$442"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Maine\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-maine\"\u003EMaine\u003C\/a\u003E\u003C\/span\u003E","$13","$156"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Maryland\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-maryland\"\u003EMaryland\u003C\/a\u003E\u003C\/span\u003E","$16","$191"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Massachusetts\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-massachusetts\"\u003EMassachusetts\u003C\/a\u003E\u003C\/span\u003E","$16","$192"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Michigan\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-michigan\"\u003EMichigan\u003C\/a\u003E\u003C\/span\u003E","$34","$408"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Minnesota\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-minnesota\"\u003EMinnesota\u003C\/a\u003E\u003C\/span\u003E","$15","$176"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Mississippi\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-mississippi\"\u003EMississippi\u003C\/a\u003E\u003C\/span\u003E","$27","$318"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Missouri\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-missouri\"\u003EMissouri\u003C\/a\u003E\u003C\/span\u003E","$22","$260"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Montana\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-montana\"\u003EMontana\u003C\/a\u003E\u003C\/span\u003E","$14","$168"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Nebraska\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-nebraska\"\u003ENebraska\u003C\/a\u003E\u003C\/span\u003E","$14","$172"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Nevada\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-nevada\"\u003ENevada\u003C\/a\u003E\u003C\/span\u003E","$18","$216"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in New Hampshire\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-new-hampshire\"\u003ENew Hampshire\u003C\/a\u003E\u003C\/span\u003E","$12","$139"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in New Jersey\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-new-jersey\"\u003ENew Jersey\u003C\/a\u003E\u003C\/span\u003E","$16","$195"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in New Mexico\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-new-mexico\"\u003ENew Mexico\u003C\/a\u003E\u003C\/span\u003E","$22","$264"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in New York\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-quotes-new-york\"\u003ENew York\u003C\/a\u003E\u003C\/span\u003E","$13","$150"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in North Carolina\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-north-carolina\"\u003ENorth Carolina\u003C\/a\u003E\u003C\/span\u003E","$17","$200"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in North Dakota\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-north-dakota\"\u003ENorth Dakota\u003C\/a\u003E\u003C\/span\u003E","$15","$185"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Ohio\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-ohio\"\u003EOhio\u003C\/a\u003E\u003C\/span\u003E","$20","$237"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Oklahoma\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-oklahoma\"\u003EOklahoma\u003C\/a\u003E\u003C\/span\u003E","$30","$360"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Oregon\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-oregon\"\u003EOregon\u003C\/a\u003E\u003C\/span\u003E","$15","$180"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Pennsylvania\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-pennsylvania\"\u003EPennsylvania\u003C\/a\u003E\u003C\/span\u003E","$14","$168"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Rhode Island\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-rhode-island\"\u003ERhode Island\u003C\/a\u003E\u003C\/span\u003E","$16","$193"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in South Carolina\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-south-carolina\"\u003ESouth Carolina\u003C\/a\u003E\u003C\/span\u003E","$19","$230"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in South Dakota\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-south-dakota\"\u003ESouth Dakota\u003C\/a\u003E\u003C\/span\u003E","$13","$162"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Tennessee\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-tennessee\"\u003ETennessee\u003C\/a\u003E\u003C\/span\u003E","$22","$260"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Texas\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-texas\"\u003ETexas\u003C\/a\u003E\u003C\/span\u003E","$26","$312"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Utah\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-utah\"\u003EUtah\u003C\/a\u003E\u003C\/span\u003E","$12","$144"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Vermont\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-vermont\"\u003EVermont\u003C\/a\u003E\u003C\/span\u003E","$14","$168"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Virginia\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-virginia\"\u003EVirginia\u003C\/a\u003E\u003C\/span\u003E","$16","$192"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Washington\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-washington\"\u003EWashington\u003C\/a\u003E\u003C\/span\u003E","$15","$180"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in West Virginia\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-west-virginia\"\u003EWest Virginia\u003C\/a\u003E\u003C\/span\u003E","$19","$228"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Wisconsin\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-wisconsin\"\u003EWisconsin\u003C\/a\u003E\u003C\/span\u003E","$15","$180"],["\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Renters Insurance in Wyoming\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-renters-insurance-wyoming\"\u003EWyoming\u003C\/a\u003E\u003C\/span\u003E","$12","$148"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Depending on the state you live in, the average cost of renters insurance can vary between $12 and $37 per month (or $139 to $442 per year). Depending on your state, an average policy could cost twice what you would pay for the same coverage elsewhere. This led us to take a closer look at the states where renters see unusually high or low costs for insurance.

Renters in Southern states see higher rates

The average cost of renters insurance was highest in Louisiana, closely followed by Michigan, ** Arkansas and Oklahoma. In all three states, the monthly premium came out to at least $30 — or $360 per year of coverage. Mississippi rounded out the top five.

The most expensive states for renters insurance

While that's still less than what homeowners have to pay for home insurance, it can be a significant cost for many renters. Rates may run higher in these states because of their greater exposure to risk factors such as hurricanes. Another cause of higher renters insurance costs could be the average age or condition of the buildings that renters live in.

Western states experience the lowest premiums

On the other end of the cost spectrum, renters in New Hampshire Utah and Wyoming paid an average of around $12 per month, or about $144 annually. These states are located far inland and experience fewer natural disasters of the kind that drive insurance rates higher along the coast.

The most affordable states for renters insurance

New York and Maine rounded out the top five most affordable states for renters insurance. New York has the highest proportion of renters of any state in the country, which means strong competition for renters insurance drives prices down.

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Where to find affordable renters insurance

At ValuePenguin, we're always studying industry data and reading policy details to identify the best insurance options for consumers. If you're looking for high-quality coverage from reliable providers, we suggest starting with our regularly updated list of the best renters insurance companies.

Our best overall recommendations for renters insurance is for State Farm because of its consistently low rates, dependable customer service and near-nationwide availability.

On the other hand, cost is also an important factor for a lot of renters. That's why we've also compiled a review of renters insurance providers that we recommend for affordable coverage that doesn't sacrifice reliability.

How much is renters insurance in my city?

In addition to the average cost in every state, we also gathered representative renters insurance quotes for some of the most popular places for renters to live in the United States.

City
Average monthly cost
Average annual cost
New York, New York$16$197
Los Angeles, California$22$265
Chicago, Illinois$16$192
Houston, Texas$32$384
Phoenix, Arizona$19$228
San Diego, California$15$178
Dallas, Texas$24$288
Philadelphia, Pennsylvania$19$228
San Antonio, Texas$28$336
San Francisco, California$16$187
Austin, Texas$24$288
Columbus, Ohio$21$251
Show All Rows
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What factors affect the cost of renters insurance?

We've seen how location and the likelihood of natural disasters can affect renters insurance costs, but individual variables also play a part. These include several f factors that you can control as a renter:

We'll go through each of them to understand what they mean for your renters insurance quote.

Claims and credit history

Insurers generally consider people with a history of claims to be more likely to make future claims as well. For example, let's say you happened to make several insurance claims in the year before applying for a new renters insurance policy. That record may be taken as a sign that you're more likely to file claims in the future — leading to a higher monthly premium.

Home and renters insurance claims can stay on your insurance record for five to seven years.

Not all claims are treated equally. The consequences to your future costs may depend on the circumstances and amount of your prior claim. Large claim amounts and liability claims are the most likely to bump your premium higher.

Insurers may also look at your credit history when providing you with a renters insurance quote. Statistically, insurance companies have found that policyholders with lower credit scores tend to file claims more frequently than those with high credit scores. This makes it more expensive to buy insurance with bad credit, no matter how careful you are.

Coverage choices

The amount of coverage you get will directly affect your renters insurance costs. Most of the default policies we've looked at include personal property coverage up to $25,000 and personal liability insurance up to $100,000. If you're willing to pay more, you can increase these numbers to fit your own needs.

Dollar for dollar, expanding your personal property coverage costs much more than raising your liability limits. We found that increasing renters liability coverage from $100,000 to $300,000 raises annual premiums by 5% to 6%. Applied to the national average, that's no more than an extra $12 a year.

Personal property limit
Personal liability limit
Annual renters insurance premium
$15,000$100,000$124
$15,000$300,000$132
$25,000$100,000$153
$25,000$300,000$161
$50,000$100,000$224
$50,000$300,000$236
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By contrast, we found that raising property coverage limits inflated renters insurance premiums by 20% to 80%. The table above shows how your annual premium changes based on different combinations of property and liability coverage. The numbers represent the average price of renters insurance offered in New York City by major insurance companies using similar coverage and a standard $500 deductible.

Deductible amount

Your renters insurance deductible is the amount you're responsible for paying before you get compensation in a claim. A typical renters insurance deductible is $500 or $1,000, but you can adjust the deductible on your policy to suit your needs.

Choosing a higher deductible means you'll be responsible for a larger share of the costs if you ever make a claim, but it also means you'll pay lower rates. Lower deductibles mean better protection but at a higher monthly cost.

Your valuables

In most renters insurance policies, high-value items like jewelry or art are excluded from coverage or covered up to lower, category-specific limits. Endorsements are extensions of your renters policy that you can buy to add or increase coverage for such items.

Purchasing an endorsement will increase the cost of your renters insurance policy, but that coverage might be necessary if your most valuable belongings fall outside the protection of standard insurance. Make sure to review what limits and coverages you're buying into before you sign up with an insurer.

How to save using discounts and deductibles

So far we've found out how much a typical renters insurance policy costs and the factors that affect it. Here's how you can save money on renters insurance by seeking out specific discounts and adjusting your deductible.

Obtain all the discounts you qualify for

If you can prove you're a lower-risk customer, you'll often pay lower rates, so if you're a tenant with fire alarms, burglar alarms, deadlocks or other safety features, you may be entitled to a discount from your insurer.

Spend some time going through the application to make sure you've checked off all the qualifying discounts. If you own a vehicle, consider getting your auto insurance and renters insurance from the same company for a bundle discount.

Choose a lower deductible

As we've discussed earlier, selecting a higher deductible on your renters insurance policy can lower your premium. However, this does come at the cost of less effective coverage.

You should choose a deductible amount that matches how much you can pay out of pocket if you suffer a loss.

You should always check how changing your deductible will affect your rates, which you can usually do using an insurer's online quote tool. Given that most claim situations come with substantial costs, we recommend erring on the side of a lower deductible.

Compare renters insurance online

The renters insurance providers you consider will also affect the quotes you see. Traditional insurers will cover renters, but they may charge higher rates unless you bundle that coverage with auto insurance or other policies.

Meanwhile, there are plenty of online insurance startups that will provide renters insurance at competitive rates. You can use our tool to find and start comparing renters insurance options today.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003ESo far we've found out how much a typical renters insurance policy costs and the factors that affect it. Here's how you can save money on renters insurance by seeking out specific discounts and adjusting your deductible.\u003C\/p\u003E\n\n\u003Ch3\u003EObtain all the discounts you qualify for\u003C\/h3\u003E\n\n\u003Cp\u003EIf you can prove you're a lower-risk customer, you'll often pay lower rates, so if you're a tenant with fire alarms, burglar alarms, deadlocks or other safety features, you may be entitled to a discount from your insurer.\u003C\/p\u003E\n\n\u003Cp\u003ESpend some time going through the application to make sure you've checked off all the qualifying discounts. If you own a vehicle, consider getting your auto insurance and renters insurance from the same company for a bundle discount.\u003C\/p\u003E\n\n\u003Ch3\u003EChoose a lower deductible\u003C\/h3\u003E\n\n\u003Cp\u003EAs we've discussed earlier, selecting a higher deductible on your renters insurance policy can lower your premium. However, this does come at the cost of less effective coverage.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n You should choose a deductible amount that matches how much you can pay out of pocket if you suffer a loss.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EYou should always check how changing your deductible will affect your rates, which you can usually do using an insurer's online quote tool. Given that most claim situations come with substantial costs, we recommend erring on the side of a lower deductible.\u003C\/p\u003E\n\n\u003Ch3\u003ECompare renters insurance online\u003C\/h3\u003E\n\n\u003Cp\u003EThe renters insurance providers you consider will also affect the quotes you see. Traditional insurers will cover renters, but they may charge higher rates unless you bundle that coverage with auto insurance or other policies.\u003C\/p\u003E\n\n\u003Cp\u003EMeanwhile, there are plenty of online insurance startups that will provide renters insurance at competitive rates. You can use our tool to find and start comparing renters insurance options today.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Chris Moon

Chris is a Product Manager for ValuePenguin with years of experience in addressing critical questions about mortgages and homeowners insurance. He spends his time evaluating insurance providers and policy features to understand where consumers might find the most cost-effective coverage. Chris has contributed insights to the New York Times and many other publications.

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.