FAQ
Renter’s insurance is a type of policy that protects tenants' personal belongings, provides liability coverage, and helps with additional living expenses if your rental becomes uninhabitable due to a covered event (like a fire or water damage).
A standard policy usually includes:
-
Personal property coverage – for your furniture, electronics, clothes, etc.
-
Liability protection – if someone is injured in your rental or you damage someone else’s property.
-
Loss of use– covers hotel costs, meals, and living expenses if your rental becomes unlivable.
-
Medical payments to others – help cover minor medical bills for guests injured on your property.
-
It depends on the value of your belongings and in some cases, what is required for liability coverage. Most people start with:
-
$20,000–$50,000 in personal property coverage
-
$100,000–$300,000 in liability protection
An inventory of your belongings can help determine how much coverage you need.
-
Not automatically. Each person typically needs their own policy, unless the roommate is specifically named on your policy (which some companies allow, but not all).
Renters
Insurance
We offer comprehensive renters insurance to protect your personal belongings.
