Renter's Insurance

What Renter's Insurance Covers

Renter's insurance provides essential protection for anyone renting an apartment, house, or condo. It covers your personal belongings and provides liability protection—all at an affordable price.

Many renters assume their landlord's insurance covers their belongings, but that's not the case. Landlord insurance only protects the building structure, not your personal items inside.

Coverage Examples

• Personal Property Coverage - Protects your belongings—furniture, electronics, clothing, jewelry—against theft, fire, water damage, and other covered perils
• Liability Coverage - Protects you if someone is injured in your rental or you accidentally cause property damage to others
• Loss of Use Coverage - Pays for temporary housing if your rental becomes uninhabitable due to a covered loss
• Guest Medical Coverage - Helps cover medical expenses if a guest is injured in your rental
• Additional Living Expenses - Covers hotel costs, meals, and other expenses while your rental is being repaired