Renters Insurance — Protect Your Belongings in Any Rental
Renters insurance may help protect your personal belongings and provide liability coverage if you rent an apartment, house, or other residential space. Your landlord's insurance typically does not cover your possessions — renters insurance is designed to address that gap.
Coverage Options
The following coverage options may be available for Renters Insurance. Availability, terms, and limits vary by state and policy.
Personal Property
May cover clothing, electronics, furniture, and other belongings against theft, fire, and certain other perils.
Liability Coverage
May help cover costs if you are found responsible for injury to someone or damage to their property.
Additional Living Expenses
May help cover temporary housing costs if your rental becomes uninhabitable due to a covered loss.
Covered Perils
Standard renters policies may cover fire, smoke, windstorm, theft, vandalism, and certain water damage events.
Electronics Coverage
Laptops, phones, and other electronics may be covered under personal property provisions.
Off-Premises Coverage
Some policies may extend personal property coverage to belongings stolen from your car or while traveling.
Who May Need Renters Insurance?
Anyone who rents an apartment, house, condo, or room and wants to protect their personal belongings and manage liability exposure.
Top 5 Reasons to Consider Renters Insurance
- Your landlord's property insurance covers the building — not your belongings inside. Renters insurance may bridge that gap.
- Renters insurance is often among the more affordable insurance products available.
- Liability coverage may help if a guest is injured in your apartment or if you accidentally damage a neighbor's property.
- Additional living expense coverage may provide housing if your apartment is damaged by a covered event.
- Some landlords may require renters insurance as a condition of your lease agreement.
Request a Renters Insurance Quote
Complete the form below and a representative may follow up to discuss available options. No obligation required.