Renters insurance in Utah that actually fits your life

Why renters insurance matters

Your landlord’s policy does not cover your stuff or your liability. Renters insurance protects personal property and living expenses after a covered loss, wherever you rent, Bullfrog Insurance Group quotes multiple carriers so you can add renters insurance quickly, often the same day, and save more when you pair it with auto insurance.

What it costs in Utah

Renters insurance is budget friendly in most Utah ZIP codes, often around the cost of a couple of coffees each month. Limits and deductibles are flexible, and bundling with auto insurance can reduce your total cost.

What a renters policy covers

Box with open lid. Handle on the side.

Personal property

Furniture, electronics, clothing, bikes, and more against covered losses at home and sometimes away from home.

Black and white icon: a house shape over a shield containing a key with a checkmark, symbolizing home security.

Liability coverage

Helps if someone is hurt in your place or if you accidentally cause damage to a neighbor’s unit.

House icon with hammer inside, suggesting home repair or construction services.

Loss of use

Pays for hotel stays and extra costs if your apartment is unlivable during covered repairs.

Black outline of a house icon.

Optional add-ons

Ask about coverage for jewelry or instruments, and about water backup for basement units in older buildings.

Tips to make claims easier

Create a simple photo inventory on your phone. Keep receipts for higher-value items. Tell us about roommates, pets, or part-time work from home so we can recommend the right setup. If you buy a home next year, we can move you to homeowners insurance with minimal steps.

Smiling cartoon frog.

Questions Utah renters ask

  • Is renters insurance required

    Not by state law, but many leases require it. Even when it is not required, it is smart protection for a low cost.

  • Does it cover roommates

    Policies generally cover the named insured and related household members. Roommates usually need their own policy.

  • Are bikes or laptops covered outside the apartment

    Often yes, subject to limits and deductibles. We will review options based on how you use them.

  • Can students get coverage

    Yes. Students in university housing or shared rentals can get affordable coverage and may qualify for additional discounts.

If you want to see other personal lines you can add later, check our personal insurance overview for quick links.