Renters Coverage

Renters Insurance Made Easier To Understand

Your landlord may insure the building, but that does not necessarily mean your personal belongings and liability are protected. Renters insurance can help address several risks that come with renting a home or apartment.

Common Renters Coverage Types

Coverage, limits, exclusions, deductibles, and availability can vary by insurer, policy, location, and individual circumstances.

Personal Property

Personal property coverage generally helps with certain covered losses involving belongings such as furniture, clothing, electronics, and other personal items.

Personal Liability

Liability coverage may help address certain claims involving bodily injury or property damage for which an insured is legally responsible.

Loss Of Use

Loss of use coverage may help with certain additional living expenses if a covered loss makes your rental temporarily unfit to live in.

Medical Payments

Some renters policies include limited coverage for certain eligible medical expenses involving guests who are injured at the insured location, subject to policy terms.

Valuable Property

Certain categories of property may have special limits. Additional coverage may sometimes be available for valuable or unusual items.

Additional Options

Depending on the insurer and policy, additional endorsements or options may be available for specific needs and circumstances.

Questions Worth Asking

These questions can help you think about the amount and type of renters coverage that may make sense for your situation.

How much would it cost to replace my belongings? Think about everything you own throughout your home, not just the most expensive items.
What deductible am I comfortable paying? The deductible can affect your out-of-pocket responsibility after certain covered losses.
Do I own valuable or unusual items? Jewelry, collectibles, electronics, or other property may need additional consideration.
How much liability protection should I consider? Think about your potential financial exposure if you are legally responsible for injury or property damage.
Does my landlord require renters insurance? Some landlords or property managers may require tenants to maintain certain coverage.

Have Renters Insurance Questions?

Tell me a little about your rental situation and I’ll help you better understand the coverage categories and questions you may want to consider.

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This page is for general educational purposes only and is not a policy, quote, coverage determination, or guarantee of coverage. Insurance products, availability, eligibility, limits, exclusions, terms, and conditions vary. Actual coverage is governed by the applicable policy and insurer.