What Renters Insurance Covers

Do you live in a rental apartment, duplex, condo, townhouse, dorm, or other leased property? While your landlord’s insurance coverage protects the building you live in, it is up to you to protect your personal property. For a very affordable price, renters insurance coverage protects your personal property, and renters insurance will even reimburse you for reasonable living expenses if you are displaced as a result of a covered event – like a fire. Plus, if someone has an injury while at your home and consequently sues you, renters insurance coverage can help protect your assets.
Protect your personal property
With renters insurance coverage, your personal property can be insured for losses due to a variety of reasons, including:

Break In
Fire
Smoke
Vandalism
Windstorm
Lightning
Earthquake (optional and available in California only)
What renters insurance coverage protects
Renters insurance coverage protects items that are found in an "average" home, such as your TV, stereo, computer, or clothing. Depending on the insurance policy, renters insurance can also provide:
Personal property replacement, which pays for the cost to repair or replace most covered items without deduction for depreciation (up to the policy limits)
Insurance coverage up to $100,000 for personal liability claims made against you for bodily injury or property damage to which coverage applies
Insurance coverage for guest medical benefits, additional emergency living expenses, and credit card protection (within policy limits)
Insurance coverage of the personal property in your car, garage, or storage unit. For example, if your computer is stolen from your car, the loss would likely be covered by your renters insurance.
More about renters insurance coverage.
Need more information? Read our frequently asked questions.
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