Personal Insurance
Renters Insurance
Personal property and liability coverage designed for tenants.
Coverage overview
Renters insurance can help cover your personal belongings, additional living expenses after a covered loss, and personal liability — without insuring the building itself, which is generally the landlord's responsibility.
It's often more affordable than people expect and can be an important layer of protection for tenants.
Who may need this coverage
- Tenants renting an apartment, condo, or house
- Roommates who want their own belongings and liability covered
- Renters whose lease requires proof of coverage
- Anyone wanting liability protection for their rented home
Common coverage considerations
- Personal property limits and any category sublimits
- Replacement cost vs. actual cash value settlement
- Personal liability limits and medical payments to others
- Additional living expenses if the rental becomes uninhabitable
- Optional endorsements for jewelry, electronics, or identity theft
What may not be covered
- The building structure itself (the landlord's policy)
- Flood and earthquake, which generally require separate coverage
- Roommates' belongings if they aren't on your policy
- Losses above your selected limits or excluded by the policy
Factors that may affect price or eligibility
- The amount of personal property coverage you choose
- Your deductible and any optional endorsements
- Location and building characteristics
- Liability limits selected
Information commonly needed for a quote
- The rental address
- An estimate of the value of your belongings
- The liability limit you'd like to consider
- Any high-value items you'd want to schedule
A practical example
A pipe bursts in an upstairs unit and damages a tenant's furniture and electronics. Renters coverage may help replace the damaged belongings (subject to limits and the deductible), and additional living expenses may help if the tenant must stay elsewhere while repairs are made.
Questions to ask a licensed professional
- How much personal property coverage do I actually need?
- Is my coverage replacement cost or actual cash value?
- Should I schedule high-value items separately?
- What liability limit is appropriate for me?
Frequently asked questions
This page is a general educational summary and does not change, replace, or create insurance coverage. Coverage terms, conditions, limits, exclusions, eligibility, and availability vary by policy, carrier, state, and underwriting requirements. Coverage is not effective unless confirmed in writing by an authorized insurance carrier or properly licensed insurance professional.
Let's Protect What Matters to You.
Tell us what you need to protect, and a licensed insurance professional can help you explore available options.