Renters Insurance
Affordable protection for your belongings, personal liability, and certain living expenses when you rent your home.
Personal Insurance
Protection Built Around Real Life
Your landlord insures the building, but that does not usually protect your furniture, electronics, clothing, or personal liability. Renters insurance is designed to protect the things you own and help with certain costs after a covered loss.
What This Coverage Can Help Address
- Personal belongings
- Personal liability
- Certain temporary living expenses
- Theft and other covered losses
- Optional scheduled coverage for higher-value belongings
Who Should Consider It
Does This Fit Your Situation?
Apartment renters, tenants in single-family homes, college students living off campus, and anyone whose landlord requires proof of renters coverage.
Common Questions
Renters Insurance FAQs
Does my landlord’s policy cover my belongings?
Generally, no. A landlord’s policy typically protects the building and the landlord’s interests, not a tenant’s personal property.
Is renters insurance only for theft?
No. Depending on the policy, renters insurance can address multiple covered causes of loss as well as personal liability and additional living expenses.
Can roommates share one renters policy?
Coverage rules vary. Roommates should not assume they are automatically insured under someone else’s policy and should discuss the household arrangement with an agent.