WHAT RENTERS INSURANCE COVERS
Protect the things that matter most with renters insurance. You’ve invested in your personal belongings and renters insurance provides a safety net for the items you value against unforeseen events such as fire, burglary, or theft.
If a fire broke out in your rental home, apartment, or condo, you may be surprised to find that your belongings aren’t covered by your landlord’s insurance. What would it cost you to replace your personal belongings, such as your furniture, electronics, appliances, TVs, computers, clothing or jewelry if it was damaged by a fire or stolen from your home?
Renters insurance protects the things which matter most to you from the unexpected losses you could never see coming. When you have renters insurance, you won’t have to worry about the cost involved with replacing your belongings if you experience a covered loss, such as:
- Theft
- Burglary
- Vandalism
- Fire
- Smoke damage
- Explosions
- And other more commonly covered events
A renters policy can help you cover the cost of replacing the things you value if they are lost or damaged due to a covered peril, up to the limits of your policy.
The benefits of renters insurance extend even further than just protecting your stuff, too. Your renters insurance benefits can help protect people, too. Renters insurance coverage can include:
Personal Liability
If someone is hurt in your rental home or apartment, liability coverage can help pay for their medical expenses and any resulting lawsuits.
Living Expenses
If you need a place to stay because your rental home is being repaired after an incident, your living expenses may be covered.
Property Damage
If you accidentally damage someone else’s property at their home, your rental insurance protection follows you and can help cover the cost.
Need Additional Coverage?
If you have valuable items which need extra protection, such as a rare coin collection, furs, fine jewelry, or watches, insurance riders can be added to a standard renters insurance policy. A rider is an affordable way to get the most out of your insurance coverage, and to be sure your most valuable items aren’t left exposed by policy limits.