Does my landlord’s insurance cover my belongings?

No. Your landlord’s insurance does not cover your personal belongings. This is one of the most common and costly misunderstandings tenants have. The landlord’s policy is built to protect the building itself, the walls, roof, and structure, along with the landlord’s own liability. It does nothing for the contents you bring into the unit.

That means your furniture, electronics, clothing, kitchenware, and anything else you own are not protected by the landlord at all. If those items are stolen or destroyed, you are responsible for replacing them yourself unless you carry your own renters insurance.

Renters insurance covers three key things: your personal property, your personal liability if you accidentally injure someone or damage their property, and additional living expenses if a covered loss forces you out of your home for a while.

For example, suppose a pipe bursts in your Savannah rental and ruins your couch, bed, and television, about $6,000 in belongings. The landlord’s policy fixes the pipe and the walls, but your ruined items are your problem. A renters policy would reimburse you for those items after your deductible, often for a premium of around $15 a month.

Do not assume you are covered just because your landlord has insurance. To protect what you own at a price that fits your budget, start a free coverage review at /coverage-review/.