Essential Guide to Renters Insurance
Comprehensive Coverage Starting at $15/mo
Calculate Your Coverage
What's Covered?
Personal Property Protection
Covers your belongings against theft, fire, vandalism, and other covered perils. Includes:
- Furniture and appliances
- Electronics and gadgets
- Clothing and jewelry
- Sports equipment
Up to $100,000 in coverage
Liability Protection
Protects you if someone is injured in your rental or you accidentally damage others' property.
- Legal defense costs
- Settlement coverage
- Property damage liability
- Dog bite liability (breed restrictions apply)
Up to $300,000 in coverage
Additional Living Expenses
Covers temporary housing if your rental becomes uninhabitable due to a covered loss.
- Hotel stays
- Temporary rental costs
- Additional food expenses
- Moving costs
Up to $10,000 in coverage
Medical Payments
Covers medical expenses for guests injured on your property, regardless of fault.
- Emergency room visits
- Ambulance services
- Medical procedures
- Follow-up care
Up to $5,000 per person
Compare Coverage Options
| Features | Basic | Premium | Custom |
|---|---|---|---|
| Personal Property | Up to $25,000 | Up to $50,000 | Custom limit |
| Liability Coverage | $100,000 | $300,000 | Up to $1M |
| Medical Payments | $1,000 | $5,000 | Up to $10,000 |
| Deductible Options | $500, $1,000 | $250-$1,000 | Flexible |
| Additional Living Expenses | $5,000 | $10,000 | Custom limit |
| Replacement Cost | No | Yes | Yes |
Frequently Asked Questions
Renters insurance typically covers:
- Personal property damage or theft
- Personal liability protection
- Additional living expenses if your rental becomes uninhabitable
- Medical payments for guests injured on your property
To determine your coverage needs:
- Create an inventory of your belongings
- Estimate their total replacement value
- Consider your liability risks
- Factor in your location and lifestyle
Most renters choose coverage between $25,000 and $50,000 for personal property.
Filing a claim is simple:
- Document the damage or loss (photos, videos)
- File a police report if applicable
- Contact your insurance provider
- Provide required documentation
- Work with claims adjuster
Several factors influence your premium:
- Coverage amounts selected
- Location and crime rates
- Credit score
- Deductible amount
- Previous claims history
- Safety features in your rental
Learn More About Renters Insurance
Insurance Basics
- Understanding Coverage Types
- How to Choose Deductibles
- Reading Your Policy
- Common Exclusions
Claims Guide
- Documentation Requirements
- Filing Process
- Timeline Expectations
- Appeals Process
Insurance Terms Glossary
- Deductible
- Amount you pay out of pocket before insurance coverage begins
- Premium
- Your regular payment to maintain insurance coverage
- Liability Coverage
- Protection against claims made by others for injury or damage
- Replacement Cost
- Coverage that pays the full cost to replace damaged items