Protect the place you rent and everything inside.
Renters insurance can help protect your belongings, provide personal liability coverage and help with temporary living expenses after an eligible covered loss.
Your rental may be covered. Your belongings may not be.
A landlord’s insurance generally protects the building—not the personal property you keep inside.
Renters insurance is designed to help protect your belongings from eligible covered losses. It can also provide personal liability, medical payments and additional living expense coverage, depending on the policy.
Coverage designed around your everyday life.
A renters policy can combine several important protections within one policy.
Personal Property
Helps protect eligible belongings such as furniture, clothing, electronics and household items after a covered loss.
Your belongingsPersonal Liability
May help if you are legally responsible for an eligible injury or damage to another person’s property.
Liability protectionAdditional Living Expenses
May help with eligible additional costs if a covered loss makes your rental temporarily uninhabitable.
Temporary relocationMedical Payments
May help cover certain minor medical expenses when a guest is accidentally injured at your rental.
Guest injuriesMore of your belongings than you may realize.
Even a modest apartment can contain thousands of dollars in personal property.
Furniture
Sofas, beds, tables, chairs, desks and other household furnishings.
Electronics
Televisions, computers, tablets, gaming systems and audio equipment.
Clothing
Everyday clothing, shoes, accessories and other personal apparel.
Books and Collections
Books, decorative items and qualifying personal collections.
Small Appliances
Kitchen equipment, countertop appliances and other items you own.
Sports and Hobby Equipment
Qualifying bicycles, exercise equipment, instruments and hobby gear.
Certain high-value items such as jewelry, watches, collectibles, firearms, artwork or musical instruments may require special limits, appraisals or scheduled coverage.
Protection when the unexpected happens.
Renters policies may protect your belongings against specific covered causes of loss listed in the policy.
Explore CoverageFire and Smoke
Eligible damage caused by fire or smoke.
Theft
Covered theft of qualifying personal property.
Windstorm
Eligible loss caused by covered wind events.
Vandalism
Covered intentional damage by another person.
Certain Water Damage
Sudden and accidental water loss may be covered.
Other Listed Perils
Additional covered events may appear in the policy.
Replacement cost and actual cash value are not the same.
The settlement method selected for your personal property can make an important difference after a covered claim.
Replacement Cost
Replacement cost coverage generally helps replace covered property with a new item of similar kind and quality without subtracting depreciation, subject to policy conditions.
- Designed around current replacement cost
- Depreciation may be recoverable
- Policy limits and conditions still apply
Actual Cash Value
Actual cash value generally considers the item’s age, condition and depreciation when determining the value of an eligible covered loss.
- Depreciation is generally deducted
- Claim payment may be lower
- Premium may differ from replacement cost
Renters insurance can protect more than your belongings.
Personal liability coverage may help when an accident leads to an eligible claim against you.
Depending on the policy, liability protection may help with covered bodily injury, property damage and legal defense expenses. Coverage limits, exclusions and conditions apply.
Business activity, intentional acts, certain animals and other exposures may be excluded or require additional underwriting.
Help with temporary living expenses.
If an eligible covered loss makes your rental uninhabitable, additional living expense coverage may help with qualifying costs above your normal expenses.
Temporary Housing
Eligible hotel or short-term rental expenses.
Additional Meal Costs
Certain increased food expenses may qualify.
Transportation Changes
Certain increased commuting costs may qualify.
Other Eligible Costs
Additional necessary expenses may be covered.
Renters insurance does not cover every type of loss.
Every policy includes exclusions, limits and conditions.
Flood, earthquake, intentional damage, normal wear and tear and certain business property are commonly excluded or limited. Separate policies or endorsements may be available for some risks.
Review My Coverage OptionsCreate a home inventory before you need one.
A current record of your belongings can help you estimate an appropriate personal property limit and document items after a covered loss.
Start My Policy ReviewA few details can help us build your coverage.
Having the following information ready can make the quote process easier.
Information we may need
Document the damage and report it promptly.
Take reasonable steps to protect your property from additional damage, notify the appropriate authorities when needed and contact the insurer as soon as possible.
Protect People First
Address urgent safety concerns and contact emergency services when necessary.
Prevent Further Damage
Take reasonable temporary steps when it is safe to do so.
Document the Loss
Photograph damaged property and prepare an inventory.
Report the Claim
Contact the insurer and preserve receipts and supporting documents.
Straightforward coverage with personal support.
Renters coverage should be easy to understand. Our team can help you review limits, compare available options and provide proof of insurance for your landlord or property manager.
Coverage Limit Guidance
Help estimating how much personal property protection you may need.
Flexible Coverage Options
Compare deductibles, liability limits and optional endorsements.
Landlord Documentation
Assistance providing evidence of coverage when your lease requires it.
Ongoing Policy Service
Update your address, limits or coverage when your needs change.
Your belongings deserve their own protection.
Let us help you compare renters insurance options for your belongings, personal liability and temporary living expenses.
Understand your renters insurance protection.
Coverage, limits and eligibility vary by carrier and policy.
What does renters insurance cover?
A renters policy may include personal property, personal liability, medical payments and additional living expense coverage, subject to policy terms.
Does my landlord’s policy cover my belongings?
A landlord’s policy generally protects the building and the landlord’s property, not the tenant’s personal belongings.
Is renters insurance required?
Renters insurance is not always legally required, but a landlord or property manager may require it under the terms of a lease.
How much personal property coverage do I need?
Consider the estimated cost to replace your furniture, clothing, electronics, appliances and other belongings. A home inventory can help.
Are my belongings covered away from home?
Certain personal property may have limited coverage away from the insured residence, subject to policy terms and sublimits.
Does renters insurance cover theft?
Theft may be a covered cause of loss, subject to policy conditions, exclusions, deductibles and proof of loss.
Does renters insurance cover flooding?
Standard renters policies generally do not cover flood damage. Separate flood coverage may be available.
Does it cover water damage?
Certain sudden and accidental water losses may be covered, while flooding, gradual leaks and maintenance issues may be excluded.
Does renters insurance cover roommates?
Roommates are not automatically insured unless they meet the policy’s definition of an insured or are specifically included.
Are jewelry and expensive items covered?
Coverage may be limited for jewelry, watches, collectibles and other high-value items. Scheduled coverage may be available.
What deductible should I choose?
A higher deductible may reduce premium but increases the amount you pay after a covered loss. Choose an amount you could reasonably afford.
Can I update the policy when I move?
Contact the agency before moving so the new address, residence information and effective date can be reviewed.
Coverage descriptions are provided for general informational purposes only and do not amend, extend or replace the terms of any insurance policy. Coverage is subject to eligibility, underwriting approval, policy forms, selected limits, deductibles, conditions, exclusions and carrier requirements. Refer to the issued policy for complete terms and conditions.