Protect your belongings and home with fast and convenient coverage.

Our best-in-class renter solutions simplify your move in experience and keep you protected.

For renters, FolioGuard™ includes access to renters insurance that offers protection of personal items, as well as deposit-free move-in solutions that allow you to keep more money in your pocket.

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Why renters insurance?

Accidents and damage happen — that’s a fact. Did you know, according to U.S. News & World Report*, that the average renter owns roughly $30K worth of personal belongings, between furniture, electronics, clothing, appliances, and more?

Because the insurance coverage for a property owner doesn’t cover renters’ personal belongings, it’s highly recommended that renters consider having a policy in place before it’s needed.

FolioGuard™ Renters Insurance by AppFolio Insurance Services allows you to purchase fast, comprehensive coverage within the same online portal you use to pay your rent. Our best-in-class coverage also gives you the peace of mind you deserve, knowing that your belongings are covered whether they're at home or anywhere else.

In easier words, your items will be protected and replaced in the event they are damaged or stolen1.

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What makes FolioGuard™ Renters Insurance by AppFolio Insurance Services great

We strive to go the extra mile to protect you, which is why thousands of renters across the country trust our renters insurance.

Having renters insurance means that you’ll have coverage you can count on:

  1. Our renters insurance policies cover your belongings at “Replacement Cost Value,” not “Actual Cash Value.” This means our policies are designed to help you replace damaged items at the value it would cost to replace them.
  2. Getting a policy is easy — get an instant quote and purchase your policy in under 60 seconds. We’ll even share your proof of policy with your property management company on your behalf.
  3. Water damage is a frequent source of claims. With other policies, you may be on the hook for accidental water damage to your home. But with us, you’re covered1.

Policy features

FolioGuard™ Renters Insurance by AppFolio Insurance Services was designed with comprehensive coverage in mind.

Our policy benefits include1:

  • Up to $75K in customizable coverage to protect your belongings
  • $100K in personal liability coverage
  • Automatic notification of policy sign ups and renewals to your property manager
  • Coverage for accidental water damage and other damages listed in the policy

1 Please refer to your policy for coverage details, limitations, and exclusions. Actual coverage options vary by state and location. Some categories of personal property coverage have a maximum dollar coverage limit. Deductibles may apply.

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Deposit free move-in with Obligo

Today's renters are looking for more flexibility in every area of their lives and their finances are no exception. This is especially true when it comes to paying large living expenses such as security deposits. FolioGuard™ Security Deposit Alternative powered by Obligo allows you to move into a new home or apartment without paying a hefty deposit up front, while still meeting the security deposit requirements set by your property manager.

Rather than paying a cash deposit, you will extend a billing authorization to Obligo in the amount of your property’s security requirement. Similar to when you provide a pre-authorization at hotel check-in, this billing authorization allows Obligo to charge you at move-out in case of damages or missed rent up to the security amount. If there are any such charges, you will be responsible for paying those amounts to Obligo. This service also offers interest-free installment plans for repayment. Obligo charges you a small fee for the service, allowing you to keep your security deposit cash to invest, save, travel, or use in any way you’d like.

What makes deposit free move-in with Obligo great

Not all deposit alternative solutions are created equally. We chose to partner with Obligo because we believe they offer a service that provides the financial flexibility that renters are looking for, without any added complexities.

When you choose to go deposit free at move-in, you can find comfort knowing that you:

  1. Keep more money in your pocket

    With moving expenses piling up quickly, hold on to your deposit and buy that couch that fits perfectly in your new home.

  2. Simplify your move-in and move-out experience

    Deposit-free move-in with Obligo is fully integrated into your online portal where you can pay rent and purchase renters insurance.

  3. Control your deposit

    You’ll only be charged up to your original security deposit amount.

Renter’s Insurance FAQs

How can I sign up for renters insurance?
How much does renters insurance cost?
What does renters insurance cover?
Are my roommates covered under my renters insurance policy?
If my belongings are damaged or destroyed, how much will my policy give me to replace them?
In the event of damage to my home, will FolioGuard™ Renters Insurance by AppFolio Insurance Services help me with temporary relocation costs?
What about my landlord's insurance, won't that cover me?
What happens to my policy if I move?
Why do I see AppFolio’s name with FolioGuard™ Renters Insurance?
Who is Millennial Specialty Insurance (MSI)?
How can I file a claim?
How can I cancel my policy?

Our Partners

FolioGuard™ Renters Insurance by AppFolio Insurance Services is backed by A.M. Best “A” (Excellent) Rated2 institutions: Spinnaker and Century National to ensure exceptional and reliable coverage.

* U.S. News & World Report data

2 AM Best’s Financial Strength Rating of “A” is second-highest of 7 ratings.