Renters
Coverage that fits your lifestyle and safeguards your possessions.
Find an Agent
What's covered. And everything else.
Covered
- Personal belongings
- Liability coverage
- Additional living expenses if you cannot live in your home due to a covered loss or repairs
- Medical payments to others
Not covered
- Flood damage (often requires separate flood insurance)
- Earthquake damage unless added by endorsement (including other earth movement such as landslide, subsidence, sinkhole)
- Normal wear and tear or maintenance-related issues
- Damage from pests (termites, rodents, etc.)
- Intentional damage or neglect
- Certain high-value items without scheduled coverage
- Losses from business activities
- Damage to the building structure
- Mold or water damage from leaks not covered by sudden incidents
And answers.
Common questions. And answers.
Will renters insurance cover me if I’m temporarily living elsewhere?
Yes! If you have to live somewhere else temporarily because your home is damaged by a covered event, Renters insurance can help pay for extra living expenses like hotel stays and meals, so you’re taken care of while you get back on your feet.
Do I really need Renters insurance?
Absolutely! Renters insurance is a smart way to protect your belongings and give you peace of mind. It helps cover your things if there’s a fire, theft, or other unexpected event, and it can protect you if someone gets hurt in your home. It’s budget-friendly and worth having.
What is liability coverage in Renters insurance?
Liability coverage helps protect you if someone gets hurt while visiting your place, or if you accidentally cause damage to someone else’s property. It can help cover medical bills, legal fees, or repair costs so you don’t have to worry about unexpected expenses.
Are my roommates covered under my Renters insurance?
Your Renters insurance usually covers just you and your belongings, not your roommates. Your roommates will want to get their own Renters insurance to protect their things and themselves, so everyone’s covered.
Does Renters insurance cover damage caused by pets?
Renters insurance usually covers accidental damage caused by your pets, like scratched walls or spills. But intentional damage or major incidents might not be covered. It’s best to check your policy or ask your agent to be sure.
Available Discounts:
- Secured Community / Building
- Companion Policy (Preferred-C Program)
- Protective Device
- And more…
Discounts vary by state and program and may be subject to underwriting eligibility and filings.
Important: Coverage availability, terms, limits, and exclusions vary by state and program. The policy governs; this website is a high-level summary and does not modify or replace the policy.