Renters insurance is one of the cheapest ways to protect your stuff while it is in transit and after you land in a new place. Most policies cover your belongings even while they are packed in a truck or a storage unit, and many landlords now require proof of coverage before you get the keys. We looked at the providers movers actually use, weighing price, how easy it is to start a policy the same week you move, and whether personal property is covered off premises. Standard renters policies do not cover damage caused by a moving company, so we note where you still need the mover valuation coverage too.
For most people moving into a rental, Lemonade wins on speed and price, State Farm wins if you want a real agent, and USAA is the clear choice for military families. Remember that renters insurance protects your belongings but does not cover damage caused by your moving company, so buy the mover valuation coverage separately. Whatever you choose, add a renters policy to your task list early. MovePlan can generate a free moving timeline so the proof-of-coverage step is not the thing holding up your keys.