what does renters insurance cover?

Just because you're not ready to buy a house doesn't mean you don't need financial protection for yourself, your friends and family, and your stuff too. Whether you're renting a tiny studio or a 3-bedroom house, renters insurance has your back if disaster (or a little bad luck) strikes.

Renters coverage can protect the things in your apartment

what is renters insurance?

Renters insurance coverage protects you and your personal belongings if the worst happens. While you may only be renting your apartment or house, chances are you own most of the stuff in it. And while your landlord's insurance policy on the home typically covers the building structure itself, protecting your valuables comes down to you.

what renters insurance covers

Not all renters policies are the same. But in general, renters insurance can cover:

Personal property

The average renter owns about $20,000 in personal property and is 25 percent more likely to be burglarized than someone who owns a home.

And the beauty is that renters coverage protects your belongings anywhere in the world — whether they're stolen from the trunk of your car or out of your backpack at a Paris hostel.

Personal liability

Medical payments

Property damage to others

Additional living expenses

other renters coverage options

Replacement cost coverage

Sewer or drain backup coverage

Earthquake coverage

Insurance riders

disasters and incidents covered by your policy

Disasters strike in many forms, but they have one thing in common: unexpected costs. With renters insurance, you can mitigate your out-of-pocket expenses brought on by:

  • Fire or lightning
  • Windstorm or hail
  • Explosions
  • Smoke
  • Vandalism
  • Theft
  • Burglary
  • Falling objects
  • Weight of ice, snow, or sleet
  • Freezing
  • Volcanic eruption

Flood damage vs. water damage: what's covered by renters insurance?

Renters insurance generally does not cover flood damage. But if a pipe bursts in your apartment and water damages your cherished belongings, renters coverage would cover you up to your policy's limits.

managing your policy

What happens to my renters insurance policy if I move?

How many renters can I insure under one renters insurance policy?

What are my payment options for my renters insurance policy?

What payment types are accepted?

Can I manage my policy online?

Wonder if you could be saving on renters insurance?

Get your free quote online.

Or call 1-866-439-5633.

More about renters insurance

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