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RENTERS INSURANCE

Renters insurance protects what your landlord's policy does not.

Your landlord's property insurance covers the building. It covers nothing inside your unit. Renters insurance protects your belongings, covers your liability as a tenant, and pays your hotel and food costs if a covered loss makes your unit uninhabitable.

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WHAT'S COVERED

What a renters policy covers.

Personal property

Your belongings against fire, theft, vandalism, water damage from plumbing failure, and most other sudden losses. Coverage applies whether your property is in your unit, in your car, or with you while traveling.

Personal liability

Pays if you are legally responsible for injuring someone or damaging their property. Includes incidents in your unit, like a guest slipping in your bathroom, and incidents away from home, like your dog biting someone in a park.

Loss of use

If a covered loss makes your rental uninhabitable, this pays for a hotel, meals, and other additional living expenses until you can return or relocate. Standard limits are usually a percentage of your personal property coverage.

Medical payments to others

Pays small medical bills for guests injured in your unit regardless of fault. Designed to handle minor injuries quickly without involving liability claims.

IMPORTANT LIMITATIONS

What a renters policy does not cover.

Flood damage

Standard renters policies exclude flood damage. If you live in a flood-prone area, contents flood coverage is available through NFIP or private insurers.

Earthquake damage

Earthquake damage is excluded from standard policies. Available as an endorsement or separate policy in earthquake-prone regions.

High-value items above standard sub-limits

Jewelry, watches, firearms, fine art, and collectibles have low sub-limits in standard policies, often $1,500 to $2,500 total. Items above that need to be scheduled separately for full coverage.

Business property and liability

Equipment used in a home-based business and liability from business operations are excluded. Home-based work needs a business endorsement or separate commercial policy.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

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CLAIMS TIPS

If You Need to File a Claim

Practical guidance for the first 24 hours, what to document, common mistakes to avoid, and when to call us.

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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GET STARTED

Renting without coverage?

Renters insurance is the most underused protection in personal lines. Most renters we talk to either do not have it or have it at a level that would not replace their belongings. Send us your situation and we will get you quoted.

Varies by state, location, coverage limits, and deductible. Most renters pay between $120 and $400 per year for typical coverage.

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