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Before signing a new lease, many renters request tenant insurance quotes to cover their belongings and personal liability. A basic quote from Harbor Insurance typically covers fire, theft, and water damage, with an average monthly premium of $18 for a one-bedroom apartment. Adding coverage for earthquake damage or a home business raises the premium. Quotes are valid for 30 days and require the applicant's address, the estimated value of belongings, and whether they have pets. Renters with a security system or smoke detectors installed may qualify for a small discount on the final premium.