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Cozy Insurance Overview

Cozy is offers comprehensive services for landlords and renters. These services include renters insurance. Cozy was founded March 2012 in San Francisco, and now has its headquarters in Portland, Oregon. It is available in all 50 states plus Puerto Rico and has properties in thousands of cities around the country.

What Are Cozy’s Ratings for Renters Insurance?

Cozy uses Assurant as its renter’s insurance provider.
Assurant's financial strength ratings are:

- A. M. Best: A or A- (excellent): These ratings are assigned to companies that A. M. Best feels have an excellent ability to meet their ongoing obligations to policyholders. These are the second highest of ten rating categories.

- S&P: A(strong): An insurer rated A has strong financial security characteristics. This is the third highest of nine rating categories. Relative standings within each broad category are identified by +/-.

- Moody's: A2 or A3: Insurance companies rated A offer good financial security. This is the third highest of nine rating categories. Numeric modifiers are used to show relative standings within each broad category, with one being the highest and three being the lowest.

What Coverage Does Cozy Insurance Offer?

Cozy offers renters the following coverage through Assurant:

- Liability Coverage

Reimburses landlords $100,000 for tenant-caused damage to property.

- Personal Property Coverage

Covers up to $15,000 in replacement costs for tenants’ lost, damaged, or stolen belongings.

- Affordable Rates and Deductibles

Tenants can buy policies for an average of $20 a month, and the deductible is $250.

How Does Cozy Compare with Other Renters Insurance Companies?

- Cozy simplifies the renting process for both landlords and tenants. Rent insurance is just one of the services it offers.

- Inexpensive rates. Tenants can buy renters insurance policies for an average of $20 a month. The deductible is $250.

- Assurant is a large insurance company with high ratings from AM Best, S&P, and Moody’s.

SUPERMONEY Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


  • Headquarters
  • 3514 N. Vancouver Ave. 4th Floor
    Portland, OR 97227 USA
  • Visit Site


Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Home and Renters Insurance Riders
  • Valuable Items
Financial Strength Rating
  • B+
Property Damage
Personal Property Protection
Reimbursed Living Expenses
Home and Renters Insurance
  • Guest Medical Protection
  • Personal Property Protection
  • Reimbursed Living Expenses
  • Renters Liability Coverage

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