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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.

What does it cover?

  • 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

What does renters insurance cover?

  • Personal property

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

  • Liability 

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

  • Additional living costs

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.

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