Renters insurance is an affordable way to protect your personal belongings and provide liability coverage in case of accidents. I would highly recommend getting a renters insurance policy, especially since many landlords now require it.

Two of the top-rated and most affordable renters insurance companies to consider are:

1. State Farm - They had the cheapest average premium of $13.04 per month in a recent study by U.S. News & World Report. State Farm offers comprehensive coverage and discounts for bundling with auto insurance. Get a renters insurance quote from State Farm here: https://www.statefarm.com/insurance/home-and-property/renters

2. Lemonade - An innovative insurer with affordable rates, averaging around $15 per month. Lemonade has a user-friendly app and donates unclaimed premiums to causes you care about. Get a quick quote and policy from Lemonade here: https://www.lemonade.com/renters

Some other highly-rated options to get renters insurance quotes from include Allstate (https://www.allstate.com/renters-insurance), Nationwide (https://www.nationwide.com/lp/renters-insurance), and Farmers (https://www.farmers.com/renters/).

The coverage and premiums can vary based on your location, personal belongings value, deductible selected and any add-ons. But renters insurance is generally very inexpensive for the protection it provides against theft, liability, additional living expenses and more.

I'd recommend getting quotes from a few top insurers to find the best rate and coverage that meets your needs as a renter. The links above make it easy to get started.