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Renters shopping for tenant insurance are often surprised at how much quotes can vary between companies for what seems like similar coverage. A basic policy typically covers personal belongings, liability if a guest is injured in the unit, and temporary living costs if the apartment becomes unlivable after a fire or flood. Insurance agents recommend getting at least three quotes before choosing a policy, since prices can differ by more than $200 a year depending on the insurer and the tenant's claims history. Adding coverage for expensive items like jewellery or electronics usually raises the premium slightly. Tenants who bundle their policy with car insurance from the same company often receive a discount of ten to fifteen percent. Most policies can be cancelled at any time, though some insurers charge a small administrative fee for early cancellation.