Renters Insurance
Renting a home or apartment doesn’t mean you don’t have a lot to protect.
Your landlord’s insurance generally covers the building itself, but it typically doesn’t cover your personal belongings or protect you from your own liability.
Renters insurance can help protect the things you’ve accumulated and provide coverage for certain losses that could otherwise come out of your pocket.
What can renters insurance cover?
Personal property Furniture, clothing, electronics, appliances, and other belongings.
Loss of use Additional living expenses if a covered loss makes your rental temporarily uninhabitable.
Personal liability Protection if you are held responsible for covered bodily injury or property damage to others.
Medical payments to others Coverage for certain medical expenses when someone is injured at your rental, subject to policy terms and limits.
Additional coverage options Depending on your needs, additional protection may be available for certain possessions or situations.
Doesn’t my landlord’s insurance cover my belongings?
Generally, no.
Your landlord’s property insurance is intended to protect the building and the landlord’s financial interest in it. It generally doesn’t insure your furniture, clothing, electronics, or other personal belongings.
That’s where your renters policy comes in. Your landlord may also require you to carry renters insurance as a condition of your lease.
In some cases, the landlord or property management company may ask to be listed as an additional interest or receive proof of insurance.
What if I don’t have high-value belongings?
It’s likely that your personal property is worth more than you think.
Think about replacing everything you would take with you if you moved:
Furniture and home furnishings
Clothing and shoes
Computers, phones, and electronics
Kitchenware and appliances
Sporting equipment and hobbies
Musical instruments
Jewelry and other valuables
Other personal belongings
It can be surprisingly expensive to replace an entire household after a major loss. If you own particularly valuable jewelry, collectibles, artwork, musical instruments, or other specialty property, those items may have special limits under a standard policy and may warrant additional coverage.
What isn’t covered?
Like any insurance policy, renters insurance has exclusions and limitations.
Oftentimes, certain valuable possessions may require scheduling or additional coverage. Normal wear and tear, maintenance issues, and deterioration aren’t generally covered. Some losses may be excluded depending on their cause and the policy language.
I’ll help you understand important exclusions and identify situations where additional coverage may make sense.
Do you own valuable jewelry or other collectibles that may require additional coverage?
Earthquake and flood damage also generally require separate insurance, rather than being automatically included in a standard renters policy. If you are concerned about earthquake or flood exposure, please explore their coverages here:
Ready to protect your rental home?
Let’s talk about what you own, what your landlord requires, and the coverage that makes sense for you.
At this link, please select Property under the Personal category when submitting your quote request.
Renters insurance available in*:
California
Texas
Washington
*Licensing does not guarantee that every insurance product or carrier is available in every state. Carrier appointments, underwriting requirements, product availability, and eligibility vary by state and by individual risk.
If I am not currently licensed to offer the insurance solution(s) you are seeking in your state, I may be able to obtain the necessary licensing or connect you with a licensed professional who can assist you.
Carriers I offer coverage with:
