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I saw some policies for around $10-$12 a month, but they only offered around $10,000 to $15,000 in coverage. When I actually thought about the cost of replacing all my furniture, electronics, and clothes, that amount wouldn’t even scratch the surface. I opted for a policy with higher coverage, even though it costs me $25 a month.
I have Farmers and pay $35 a month, which is definitely higher than some others. However, when I had water damage in my apartment, they came through for us nicely several times over the 17 years I’ve been with them. Sometimes paying a bit more is worth it for reliable support.
I pay $125 a year with State Farm, which works out to about $10.42 a month. While it might be a few dollars more than some of the really cheap options I saw, I like knowing they have a good reputation and even send me a birthday card every year, which makes me feel like they care.
I went with Lemonade because they were the cheapest I found, but when I had a fire and lost $36,000 worth of my belongings, they only offered me $4,000 and became impossible to contact. Now I’m fighting with them and wish I hadn’t just gone for the lowest premium.
I initially chose Lemonade because it was only $9.59 a month for $20,000 personal property coverage with a $250 deductible. It was the lowest quote I got at the time, and the sign-up process on their app was super easy.
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