What does renters insurance cover?
Renters insurance is an insurance policy that can cover theft, water backup damage, certain natural disasters, bodily injuries and more in a rented property. If you rent an apartment, home or even a dorm, renters insurance is recommended for protecting your space and belongings in the event of a covered accident. Get a free renters insurance quote in minutes.
Can you afford not to have it?
No matter how modest your lifestyle, replacing all your belongings can add up.
Replacing the basics could look something like this:
This is a hypothetical illustration. Actual coverage amounts and limits vary based on individual needs and policy.
Renters insurance coverage can help you replace these items and more.
Basic renters insurance coverages
Helps protect your furniture, clothing & other items from covered losses.
Loss of use
Provides reimbursement for additional living expenses when a covered loss prevents you from living in your home.
Get help paying for covered damage or bodily injury caused by an accident that occurs in your home.
Medical payments to others
May help pay for medical or funeral expenses for someone who is injured on your property.
Building additions & alterations
Pays for covered damages to additions, alterations, fixtures, improvements or installations that you make to your home.
Credit card coverage
Pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card. Also applies to forged checks and counterfeit money.
Optional renters insurance coverages
Provides additional coverage for high-value items such as jewelry, watches, antiques and fine art.
Protects you against loss caused by backed up sewers or drains.
Provides extended protection for your personal belongings stored in or on any motor vehicle, trailer or watercraft.
Pays up to your selected limits for covered losses to your property caused by earthquakes or volcanoes.
Other policies to consider
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply.
1Brand New Belongings is an optional feature. Exclusions and limits apply. Damaged items may be repaired in some cases. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages. Subject to underwriting guidelines, review, and approval.