Why Renters Insurance Matters
Many renters assume their landlord's insurance covers them—but it doesn't. Your landlord's policy protects the building, not your belongings. If there's a fire, theft, or water damage, you're responsible for replacing your own stuff.
Renters insurance fills that gap, and it's more affordable than most people think.
What Renters Insurance Covers
Personal Property
Your belongings are covered against common risks like:
- Fire and smoke damage
- Theft and vandalism
- Water damage (from burst pipes, not floods)
- Weather events (wind, hail)
This includes furniture, electronics, clothing, and more.
Liability Protection
If someone is injured in your rental and you're found responsible, liability coverage helps pay for:
- Medical bills
- Legal fees
- Court judgments
Additional Living Expenses
If your rental becomes uninhabitable due to a covered event, this coverage helps pay for:
- Hotel stays
- Meals
- Other temporary living costs
What's NOT Covered
Renters insurance has limits. It typically doesn't cover:
- Flood damage (requires separate flood insurance)
- Earthquake damage (requires additional coverage)
- Your roommate's belongings (they need their own policy)
- Intentional damage
- Certain high-value items without extra coverage (jewelry, art, collectibles)
How Much Coverage Do You Need?
Start by taking inventory of your belongings. Our Renters Coverage Estimator can help you think through:
- The total value of your possessions
- Whether you need actual cash value or replacement cost coverage
- How much liability protection makes sense
Getting Started
Understanding what you have and what you need is the first step. When you're ready, a licensed agent can help you find coverage that fits your situation.