Personal Insurance
Renters Insurance
Protect your personal belongings and get reimbursement for living expenses if your rental becomes uninhabitable due to fire, wind, water damage, or similar events.
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Renters Insurance Coverage
Renters insurance protects your personal property, covers additional living expenses when your home is uninhabitable, and provides liability coverage for injuries occurring in your home.
Important: Although renters insurance covers water damage, it does not cover flood damage. Flood coverage must be purchased separately.
What's Covered
Personal Property
Coverage limits typically range from $20,000 to $60,000 for your belongings including furniture, electronics, clothing, and other personal items.
Liability Coverage
$100,000 to $300,000 in personal liability coverage protects you if someone is injured in your rental or if you accidentally damage someone else's property.
Additional Living Expenses
Pays for temporary housing costs like hotel stays and living expenses if your rental becomes uninhabitable due to a covered loss.
Medical Payments
Covers medical expenses for guests injured in your rental, regardless of fault.
Items Commonly Protected
Events Covered
What's NOT Covered
- •Flood damage (requires separate endorsement)
- •Pest infestations (bed bugs, fleas, mice)
- •Items stolen from vehicles (covered under auto insurance)
- •Earthquake damage
- •Normal wear and tear
Affordable Protection
Most renters insurance policies cost less than $30 per month, making it one of the most affordable types of insurance available. Costs vary by state, credit history, and coverage amounts selected. Bundling with auto insurance can provide additional discounts.
Good to Know
College Students
Students living in dorms may already be covered under their parents' homeowners policy. Check with your agent to confirm coverage.
Landlord Requirements
Many landlords require tenants to carry renters insurance and provide proof of coverage before moving in.
Get Renters Quote
Fill out this form for a free renters insurance quote.
Protect Your Belongings Today
Renters insurance is affordable and essential. Get a free quote and see how little it costs to protect your belongings.