When searching for renters insurance, you should first determine what level of coverage is necessary, as this will affect your premium. Like home insurance, renter's insurance rates are also subject to natural disaster probability. If you need to find a renters insurance agency, you can search through online search engines or local phone books. Be sure to ask for a free quote from multiple agencies. We recommend that if you have an existing auto policy, you attempt to couple a renter's insurance policy together for discounted rates.