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What Does Renters Insurance Cover?

Depending on the policy you choose, rental insurance may cover theft, water backup damage, certain natural disasters, bodily injuries and much more. At Nationwide, we provide members with a range of renters insurance coverage types. Read on for in-depth information about our policies, find the coverage that’s right for your lifestyle and start your renters insurance quote today.

Water backup

This renters coverage protects you against losses caused by water that backed up through sewers or drains. (This is not the same as flood insurance.)

Valuables Plus®

Provides additional coverage for high-value items, such as jewelry, watches and furs, as provided by your policy.

Personal liability insurance for renters

Personal liability renters insurance policies may cover bodily injury and property damage to others caused by your actions or negligence.

Personal umbrella liability insurance

A personal umbrella policy offers an extra layer of protection for your assets. This includes bodily injury, property damage and personal injury to others for which you are held liable.

Medical payments

Medical payments may help cover others' medical expenses resulting from an accident on your property. For home and apartment renters, insurance under this coverage plan does not apply to you or regular residents of your household.

Ordinance or law renters insurance

This insurance help cover increased expenses if you need to rebuild due to current building codes or ordinances.

Credit card coverage for renters

Credit card coverage pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card. This renters insurance coverage also applies to forged checks and counterfeit money.


Firearm coverage may help pay for the physical loss of firearms and accessories.

Personal injury liability

This renters insurance coverage may help pay for damages awarded to others due to injuries such as false arrest, libel, slander and invasion of privacy for which you are responsible.

Theft extension

This option provides extended protection for your personal belongings stored away from your home in or on any motor vehicle, trailer or watercraft.

Earthquake and volcanic eruption

This insurance pays for covered losses to your property caused by earthquake or volcanic eruption up to the limits you select.


This option pays for covered damages to additions, alterations, fixtures, improvements or installations that you make to your residence.

Loss of use

This coverage helps pay for additional living expenses resulting from being unable to live in your home.


Hurricane insurance provides coverage for property damage resulting from a hurricane. However, this coverage may be subject to special terms, conditions and deductibles in coastal states.

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