On this page15 sections
- Ratings and complaints
- Assurant vs. competitors
- Pricing
- Step by step
- Assurant renters insurance legitimacy and licensing
- Assurant renters insurance cost
- How Assurant renters insurance works
- How Assurant Renters Insurance Works
- Assurant complaints and how to avoid problems
- Liability-only vs. full renters coverage
- Canceling an Assurant policy
- Rules that protect you
- What customers say
- Alternatives
- FAQ
Assurant renters insurance's strength is convenience for apartment renters, with guaranteed acceptance, no credit check, roommates covered at no extra cost, same-day coverage and a cheap liability-only policy to meet a lease rule. It is legitimate: policies are written mainly by American Bankers Insurance Company of Florida, which AM Best rated A+ (Superior) in September 2025, and Assurant is a large public insurer based in Atlanta. The tradeoffs are that prices are not published, it is mostly sold through property managers, and in Cover360 communities Assurant can place a liability-only policy for you if you let your coverage lapse, which protects the landlord more than your belongings. Get a quote from Assurant and at least one other insurer before you sign up at your leasing office.
- Underwriter
- American Bankers Insurance Company of Florida in most states; in Texas, personal property by Ranchers and Farmers Mutual and liability by American Bankers; in Minnesota, American Security Insurance Company3
- Financial strength
- A+ (Superior) from AM Best for American Bankers Insurance Company of Florida and American Security Insurance Company, affirmed September 4, 20255
- Plans
- Renters policy (belongings, liability, living expenses) or a liability-only policy1
- Acceptance
- Guaranteed acceptance with no denials or credit checks through Renters Preferred communities; roommates covered at no extra cost1
- Where to buy
- Through participating property managers, at assurantrenters.com, or through GEICO's renters page (online quotes not available in Hawaii or Puerto Rico through GEICO)3
- Price
- Not published; you need a quote2
- Customer support
- 888-260-7736, weekdays; policies managed and claims filed at manage.myassurantpolicy.com4
Pros
- Guaranteed acceptance with no credit check through partner properties
- Roommates covered at no extra cost
- Liability-only policy for renters who only need to meet a lease rule
- Same-day coverage and pay-with-rent option
- Underwriter rated A+ (Superior) by AM Best
Cons
- No published prices
- Mostly sold through property managers, so choices depend on your building
- Liability-only policy does not cover your own belongings
- Cover360 properties can add a liability-only policy to your rent if your coverage lapses
- Public ratings mix renters insurance with phone and appliance protection
Best for: Apartment renters whose community offers Assurant and who want quick, no-credit-check coverage or a cheap policy that meets a lease requirement.
Skip it if: You own valuable belongings, want published prices, or prefer an agent you can call directly about a claim.
Assurant vs. competitors
| Company | Starting price | How it's sold | Standout feature | Next step |
|---|---|---|---|---|
| Assurant | Not published | Property managers, online and through GEICO | Guaranteed acceptance, roommates covered, liability-only option | Visit site |
| Lemonade | From $5 a month | App and website only | Policy can be active in about 90 seconds | Visit site |
| State Farm | Not published | Local agents and online | Bundle with auto | Visit site |
| USAA | As little as $10 a month | USAA members only | May include flood and earthquake for belongings, depending on location | Visit site |
Renters insurance we reviewed
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Assurant This review BestGuide rating: 3.9 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Apartment renters whose community offers Assurant and who want quick, no-credit-check coverage or a cheap policy that meets a lease requirement. -
USAA BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Service members, veterans and their families who want insurance and fee-free banking from one company built around military life. -
State Farm BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. -
Allstate BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Drivers and homeowners who want a local agent, plan to bundle several policies and are willing to pay more for that service. -
GEICO BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Good drivers, drivers with poor credit, and military or federal employees who are comfortable buying and managing a policy online. -
Lemonade This company pays BestGuide when you connect with it through our site. Verified partners are scored on our partner verification program and can be listed first. Payment never changes what we report about fees, terms or complaints. BestGuide rating: 4.3 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Owners of young, healthy dogs or cats who want a low base price, app-based claims and the option to add only the extras they need. -
Liberty Mutual BestGuide rating: 4.2 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Drivers who want many coverage options and discounts from a large national insurer, and who will compare quotes at each renewal. -
Progressive BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Drivers with a DUI or other mark on their record, and shoppers who want to compare several prices online or buy through an independent agent.
Assurant pricing at a glance
Assurant renters options, as listed October 20261
| Option | What it covers | Price |
|---|---|---|
| Renters insurance policy | Your belongings, personal liability and extra living costs if your unit becomes unlivable after a covered loss | Quote only |
| Liability-only policy | Damage you cause to the property or others, to meet a lease requirement; does not cover your belongings | Quote only |
| Cover360 pay-with-rent | An Assurant policy billed with your monthly rent at participating properties | Quote only |
Assurant does not publish prices. Property managers can set liability minimums between $50,000 and $300,000, which affects what your lease requires you to buy. Ask for the declarations page so you can see your limits and deductible.
Assurant, step by step
Check what your lease requires
Look for the minimum liability limit and whether the landlord must be listed as an interested party.
Get a quote
Start at your leasing office, assurantrenters.com or GEICO's renters page. Choose a full renters policy or liability-only.
Start coverage
Coverage can start the same day, on or after your lease start date. At Cover360 properties you can pay with rent or upload proof of another policy.
File a claim
Report losses online at the policy portal or by phone, with photos, receipts and a police report for theft.
Cancel or switch
If you move or buy elsewhere, cancel in writing and upload proof of the new policy to your property's portal so Assurant does not place a liability-only policy for you.
Assurant renters insurance legitimacy and licensing
Yes. Assurant, Inc. is a publicly traded insurer headquartered in Atlanta that operates in 21 countries. Its renters policies are underwritten by American Bankers Insurance Company of Florida in most states, by American Security Insurance Company in Minnesota, and in Texas by Ranchers and Farmers Mutual for belongings with American Bankers for liability. AM Best affirmed an A+ (Superior) financial strength rating for American Bankers and American Security in September 2025.
GEICO also sends renters to Assurant: its renters page says the program is provided by American Bankers Insurance Company of Florida, so a GEICO renters quote may be an Assurant policy.
Assurant renters insurance cost
Assurant does not publish prices, so you need a quote. Your premium depends on your location, the amount of Personal property coverage. Pays to repair or replace your belongings after a covered loss such as fire or theft. Compare renters insurance, your liability limit and your deductible. A liability-only policy costs less because it does not cover your belongings.
Your landlord’s rules matter too. Assurant lets property managers set required liability minimums between $50,000 and $300,000, and some communities bill the premium with your rent through Cover360. Compare the monthly charge with a quote from another insurer, and ask your property manager whether outside policies are accepted.
How Assurant renters insurance works
Most people meet Assurant at the leasing office. Through Renters Preferred, residents choose a full renters policy or a liability-only policy, acceptance is guaranteed with no credit check, roommates are covered at no extra cost, and coverage can start the same day as long as your lease has started.
Through Cover360, you get a text or email link when you sign the lease. You can buy an Assurant policy paid with your rent or upload proof of your own policy. Assurant tracks coverage for the landlord, and if you don’t keep adequate coverage, it sends a notice and can issue a liability-only policy. With Cover360 Plus, coverage may be included at lease signing.
Key Takeaway: Assurant (Expert Score: 3.9/5.0)
Assurant earns an Expert Score of 3.9/5.0 from BestGuide. While the company demonstrates exceptional financial stability with an A+ (Superior) rating from AM Best and offers renters insurance in all 50 states, our analysis found significant and recurring customer complaints regarding its claims process, which substantially lowers its overall score.
In this Assurant review, we found the company earns an Expert Score of 3.9 out of 5.0. Assurant is a Fortune 500 company with a long history and top-tier financial strength, making it a stable choice on paper. Its primary strengths are its nationwide availability and its partnerships with property management companies, which can result in lower premiums and guaranteed acceptance for tenants.
However, BestGuide’s analysis of customer data reveals a persistent pattern of negative feedback centered on the claims process. Numerous Assurant reviews from customers report significant delays, poor communication, and difficulty obtaining fair payouts after a loss. This contrast between financial strength and customer claims experience is the central finding of our evaluation.
For renters whose landlords require an Assurant policy or for those prioritizing the absolute cheapest renters insurance, it remains a viable option. But for individuals who value a smooth and responsive customer service experience during a stressful claim, other providers may be a better fit. Compare Assurant with other top-rated renters insurance companies to see how it stacks up.
How Assurant Renters Insurance Works
Assurant primarily distributes its renters insurance policies through a large network of partners, including property management companies, landlords, and other major brands like GEICO. This partnership model is key to its business and often allows for integrated and simplified sign-up processes for tenants moving into a new apartment.
Getting an Assurant Renters Insurance Quote
You can get an Assurant renters insurance quote directly from the Assurant website in minutes. The process involves providing your address and some basic information about the property. For many applicants, particularly those in partner properties, Assurant offers a ‘Renters Preferred’ policy with guaranteed acceptance, meaning no credit checks or denials. This can provide coverage the same day.
Coverage and Policy Management
A standard Assurant policy includes the three core components of renters insurance: personal property coverage for your belongings, personal liability protection against accidents, and Additional living expenses. Pays for temporary housing and extra costs if your rental becomes unlivable after a covered loss. Compare renters insurance if your home becomes uninhabitable due to a covered event. Policyholders can manage their accounts, make payments, and file claims through Assurant’s online portal.
Filing a Claim
To file a claim, policyholders can use the online portal or contact the claims department. You will need to document your losses, providing photos, receipts, and a list of damaged or stolen items. According to our research, this is the stage where a significant number of customers report experiencing communication delays and disputes over settlement amounts.
What customers say about Assurant
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Quick sign-up through the leasing office
- Coverage the same day you move in
- No credit check or denials
- Roommates on one policy
Common complaints
- Slow claims and hard-to-reach phone support
- Disputes over settlement amounts
- Unexpected liability-only charges added to rent after a lapse or missing proof of outside coverage
- Not clear which Assurant product a review or complaint is about
Assurant complaints and how to avoid problems
Assurant’s BBB profile shows an A+ rating with 3,466 complaints in three years, and its Trustpilot page has a 4.4 score, but both cover every Assurant product, including phone and appliance protection plans. Renters-specific complaints center on slow claims, settlement disputes and liability-only charges that appear on rent statements after a lapse.
To avoid surprises, upload proof of any outside policy as soon as you buy it, keep your declarations page, and photograph your belongings before you need to file a claim. If a claim dispute isn’t resolved, you can file a complaint with your state insurance department.
Liability-only vs. full renters coverage
A liability-only policy pays for damage you cause to the building or to other people, such as a kitchen fire that spreads to a neighbor’s unit. It does not pay to replace your own furniture, clothes or electronics after a theft, fire or burst pipe. It meets many lease requirements, but if replacing your things would be a hardship, a full renters policy is the safer choice.
Canceling an Assurant policy
You can manage, pay or cancel your policy online at the policy portal or by calling customer support. If you are in a Cover360 community, also update your proof of coverage in the property’s portal when you switch insurers, or you may be enrolled in a liability-only policy billed with rent. Refund terms for unused premium are set in your policy and state law; Assurant does not publish them online.
Rules that protect you
Renters insurance is regulated by your state insurance department, which licenses the underwriter, reviews policy forms and takes complaints about claim handling. No state law requires renters insurance, but your lease can. You can look up the underwriter’s license and complaint history with the NAIC Consumer Insurance Search.
Alternatives to Assurant
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Better if you want to buy and manage a full policy yourself in an app, with published starting prices.
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Better if you want a local agent and a discount for bundling with car insurance.
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Better for military families, since flood and earthquake coverage for belongings may be included, depending on location.
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Your car insurer's renters policy
Often the cheapest route if a bundle discount on auto offsets most of the renters premium.
Assurant reviews
Written by readers, read by our moderators, never edited by the company.
No reader reviews yet. If you have used Assurant, yours will be the first.
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Frequently asked questions
Is Assurant a good renters insurance company?
It is financially strong, with an A+ (Superior) AM Best rating for its main underwriter, and convenient if your apartment works with it. Prices are not published and claim complaints are common, so compare at least one other quote.
Who underwrites Assurant renters insurance?
American Bankers Insurance Company of Florida in most states. In Minnesota it is American Security Insurance Company, and in Texas personal property is covered by Ranchers and Farmers Mutual with liability from American Bankers.
How much is Assurant renters insurance?
Assurant does not publish prices; you need a quote. Liability-only coverage costs less than a full renters policy.
Does Assurant check credit?
Not for Renters Preferred policies sold through participating properties, which have guaranteed acceptance with no denials or credit checks.
Does Assurant cover roommates?
Yes. Assurant says roommates are covered for no extra cost under Renters Preferred.
Is GEICO renters insurance the same as Assurant?
Often yes. GEICO's renters page says its program is provided by American Bankers Insurance Company of Florida, an Assurant company.
Why is Assurant charging me through my rent?
Your property may use Cover360, which bills renters insurance with rent. If you didn't keep adequate coverage or upload proof of an outside policy, Assurant can issue a liability-only policy. Upload your proof and contact the leasing office to have it removed.
What does liability-only renters insurance cover?
Damage you accidentally cause to the property or others. It does not cover your own belongings.
How do I file an Assurant renters claim?
Log in to the policy portal or call Assurant. Include photos, receipts and a police report for theft.
Can I use my own renters insurance instead of Assurant?
Usually yes, if it meets your lease's liability minimum and lists the property as an interested party. Upload proof to your property's portal.
Sources (9)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- Assurant: Renters Preferred insurance and liability-only coverage (accessed October 12, 2026)
- Assurant: Cover360 pay-with-rent insurance and tracking (accessed October 12, 2026)
- GEICO: Renters insurance through Assurant (accessed October 12, 2026)
- Assurant: Renters insurance claims and support (accessed October 12, 2026)
- Business Wire via FinancialContent: AM Best affirms credit ratings of Assurant and its subsidiaries (Sept. 4, 2025) (accessed October 12, 2026)
- BBB: Assurant, Inc., Miami, FL (accessed October 12, 2026)
- Trustpilot: Assurant reviews (accessed October 12, 2026)
- NAIC: Consumer Insurance Search (accessed October 12, 2026)
- USAA: Renters insurance (accessed October 13, 2026)
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