Apollo
More than just an online quote
Simple online. Personal where it matters. Start your quote online, have a licensed agent review your options, and count on us to keep an eye on your policy. If a better option comes up, we’ll be here to help you take a look.
Get your quote online
Start with a simple online form. No long back-and-forth, no complicated process — just a faster, easier way to start shopping for coverage.
A real person reviews your options
Not just a quote — a quote checked by a person. Our technology helps gather and compare options, then a licensed Safe House agent reviews your rates, coverage, and details to help you find the right fit.
Illustration only — the figures shown are not real quotes.
We watch for better rates
We keep an eye on your policy, let you know when better options come up, and help you stay on top of renewals — with real support in English or Spanish.
What the online price misses
Renters is the policy people buy in ninety seconds on a phone because a lease demanded it, and then never look at again. The ninety seconds is where it goes wrong.
Add up a television, a laptop, a bed, a couch, clothes, a bicycle, the kitchen. It is almost always more than the number people pick, and the number people pick is whatever the form defaulted to.
- Furniture, room by room
- Clothing and shoes
- Electronics, tools and bikes
- The kitchen, all of it
One buys you a new laptop. The other buys you what a six-year-old laptop is worth. The price difference between those two policies is small and the difference at claim time is not.
Personal property
A renters policy is not just about your stuff. It covers you when a guest is hurt, when a pipe you are responsible for floods downstairs, when your dog bites somebody. That half is usually the reason the lease requires it.
- A guest hurt inside your place
- Water that reaches the unit below
- The dog, in most cases
Most carriers discount a car policy when a renters policy sits beside it, and the discount is often close to what the renters policy costs. Nobody quoting one product on its own will ever mention that.
A renters policy often pays for a good part of itself through the multi-policy credit on the car. Ask what the two cost together before you decide it is not worth it.
Anyone can show you a number. A licensed Safe House agent reads the quote before you buy it, asks the questions above, and re-shops it when the answers change something. It costs you nothing — it is what the commission on the policy is for.
We lay the options out. You pick.
A renters policy is small enough that the choices inside it get skipped. They are the whole difference between a cheque that replaces your things and one that does not.
What is included
- Personal property, depreciated
- Personal liability
- Loss of use
- Medical payments to others
Availability and wording vary by company and by state. Your agent confirms what each one costs and what it actually says before anything is bought.
Start my quote →What is included
- Personal property, not depreciated
- Personal liability
- Loss of use
- Medical payments to others
Availability and wording vary by company and by state. Your agent confirms what each one costs and what it actually says before anything is bought.
Start my quote →What is included
- Everything in replacement cost
- Jewellery listed individually
- Instruments, cameras, tools
- Higher personal liability
Availability and wording vary by company and by state. Your agent confirms what each one costs and what it actually says before anything is bought.
Start my quote →$•••/mo$•••/moYour two numbers, side by side — from a real quote, in about five minutes.
Compare between companies
The same driver, the same car, the same coverage — and the companies disagree, often by hundreds. One quote cannot tell you whether you are being charged too much, because there is nothing to compare it against. We put your details to every company we represent and show you what each one said.
A human reads every quote. That is the whole product. The form is the fast part; the part worth paying an agency for is somebody who has placed this a thousand times looking at what came back before you buy it.
Who this is for
Anyone who does not own the walls. It costs less than most people assume and it is the only policy that covers you personally where you live.
What people ask us
My landlord already has insurance. Why do I need this?
Because theirs covers the building and nothing of yours. If the place burns, they get a new building and you get nothing — unless you carry your own policy.
How much does renters insurance cost?
Less than most people guess, and it depends on where you live, what you are covering and your deductible. We will quote it across the companies we represent rather than quoting you a number here we cannot stand behind.
Does it cover my things outside the apartment?
Usually, including in your car and while traveling — this varies by policy, so it is worth asking about the one you are actually buying.
My lease needs proof before I move in.
Tell us the date and who it goes to. We can normally have the certificate in the leasing office the same day.
Does it cover my roommate?
Generally not unless they are named on the policy. Two people, two policies is the usual answer, and it is cheap enough that it is rarely worth arguing about.
Will it lower my car insurance?
Often, yes. Most carriers give a multi-policy discount, and it can offset a good part of what the renters policy costs. Ask us to quote both together.
Let us take a second look.
Start online and an agent picks it up, or call and we will do the whole thing with you. In English or Spanish, whichever the conversation starts in.