If you're renting an apartment or home, you'll need an insurance policy to cover your belongings. A renter’s insurance policy protects against losses to your personal property, including clothes, jewelry, luggage, computers, furniture, and electronics.

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What does it cover?

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• Damage caused by aircraft

• Damage caused by vehicles

• Explosion

• Falling objects

• Fire or lightning

• Riot or civil commotion

• Smoke

• Theft

• Vandalism or malicious mischief

• Volcanic eruption

• Weight of ice, snow, or sleet

• Windstorm or hail

• Damage from water or steam

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What does renters insurance cover?

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• Personal property

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The cost to repair or replace your belongings, such as clothing, furniture and electronics.

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• Liability 

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Repairs if accidentally damage someone else’s property. Medical bills if you are found responsible for their injuries.

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• Additional living costs

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Additional living costs you incur, like hotel bills.

Before renters insurance helps pay for a covered loss, you'll likely need to pay a deductible. If the worst happens, you’ll likely be glad you paid for the coverage. Renters insurance is the best defense against things in life you have no control over.