Homeowners Insurance
Renters Insurance

Renters Insurance

Renters insurance helps make sure you, your guests, and your belongings are protected in your rented home. While your landlord might have insurance, it only protects the building. You, your belongings, and your guests are not covered under those policies.​

What Is Renters Insurance?

Renters Insurance is a contract between you and an insurance company, where the insurer will help to pay the tab if you, a visitor or your personal possessions get damaged due to any number of causes.

Unlike homeowners’ insurance, which is required by most mortgage lenders, purchasing renters’ insurance is often up to you. In some cases, though, a landlord may require it.

Why Do You Need Renters Insurance?

While your landlord might have insurance, it only protects the building. Your belongings are not covered under those policies.

PERSONAL

Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing.

However, renters insurance does not cover floods, earthquakes or routine wear and tear. You can, however, buy separate policies for flood and earthquake damage.

LIABILITY

Renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court.

ADDITIONAL LIVING EXPENSES

Renters insurance pays the reasonable additional costs of temporarily living away from your home if you can’t live in it due to a fire, severe storm or other insured disaster. It covers hotel bills, temporary rentals, restaurant meals and other living expenses incurred while your home is being rebuilt. Coverage for additional living expenses differs from company to company.​

Add up the cost of everything you would want to replace if it were damaged or stolen. This could also serve as the basis for an inventory that will make filing a claim easier. For an inventory, also record model numbers, dates and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in safe place away form your home.

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