Renters
DetailsCovered
- Theft, at home or away
- Fire and smoke
- Burst pipes and leaks
- A guest gets hurt
- Hotel if home is unlivable
Not covered
- Floods
- Earthquakes, unless added
- A roommate's stuff
- Damage to your car
Renters and pet insurance
Insurance that holds on.
Sea otters hold paws while they sleep, so they don't drift apart. We built insurance the same way: clear coverage, fast claims and real people on the other end.
4.8 from 9,300 reviews
Price in 60 seconds
No account needed
$1,240 backVet bill paid in 2 days
Covered todayStarts at midnight
60-second price
See your price before you give us your email
Pick your options. Your price and the math behind it update as you go.
Most one-bedroom renters land between $20,000 and $35,000.
Deductible
What you pay before we pay. Higher deductible, lower price.
Your renters price
$9.00/mo
or $102 a year paid up front
- $300,000 liability included
- Theft, fire and water damage
See the math
Dog or cat?
Prices rise a little each year. Coverage never ends because of age.
Your dog's price
$25.96/mo
or $287 a year paid up front
- 80% back on vet bills
- $250 yearly deductible, $10,000 limit
See the math
Example prices for this concept site. Real prices depend on your state, address and history.
How it works
Covered in about three minutes
- 60 seconds
Answer five questions
Where you live, what you own or who your pet is. No account, no phone call.
- Change any time
Pick your coverage
Slide the limits until the price fits. Coverage can start at midnight tonight.
- Most paid in days
Claim from your phone
Snap a photo of the damage or the vet bill. Track every step in the app.
Plain English
What's covered, and what isn't
No fine-print surprises. Here is the short version of each policy.
Pet
DetailsCovered
- Accidents and injuries
- Illness, including cancer
- Emergency and specialist visits
- Surgery and hospital stays
- Prescriptions
Not covered
- Conditions before coverage
- Routine care, unless added
- Cosmetic procedures
- Breeding costs
Numbers we post every quarter
We publish how fast we pay, good quarter or bad.
2.4 daysmedian time from claim to payment
4.8 / 5average from 9,300 customer reviews
91%of claims paid without a phone call
Otterly claims data, January to September 2026.
Customer notes
Notes from the raft
"My bike was stolen from the rack outside work. I filed on my lunch break and had the money two days later."
"Biscuit ate a sock. The emergency visit was $1,800, and Otterly sent back $1,240 two days later. I never once waited on hold."
"I changed my coverage when I moved in with my partner. Took three minutes and the price went down."
Bundle and save 10%
Get covered before dinner
Pick renters, pet or both. Cover both and save 10% on each. Coverage can start tonight.