Renters Insurance
Protect your stuff and meet your lease requirements in minutes. Get an instant online quote, purchase coverage, and generate proof for your property manager.
What is renters insurance?
Renters insurance is a policy for tenants that bundles three key protections: Personal Property (your belongings), Personal Liability (injury or property damage you’re legally responsible for), and Loss of Use (additional living expenses if a covered loss makes your unit uninhabitable). Optional enhancements may include Replacement Cost on contents, water backup, jewelry or electronics sub‑limit increases, and more.
Your landlord’s policy doesn’t cover your belongings. Many leases require renters insurance and to list the property manager as an Additional Interest for notices.
Coverages & Typical Limits
Personal Property (Contents)
| What it covers | Your belongings (furniture, clothing, electronics) for covered causes of loss. Deductible applies. |
|---|---|
| Options | Replacement Cost on contents; higher sub‑limits for jewelry/electronics where available. |
Personal Liability
| What it covers | Injury to others or damage to their property you’re legally responsible for. |
|---|---|
| Typical landlord requirement | Commonly $100,000–$300,000; check your lease. |
Loss of Use (ALE)
| What it covers | Extra living costs (hotel, meals) if a covered claim makes the unit uninhabitable. |
|---|
Medical Payments to Others
Small coverage limit that can pay regardless of fault for minor injuries to guests (varies by policy).
Coverage and availability vary by state and carrier. Policy forms control. This is a marketing summary only.
Landlord / Property Manager Requirements
- Minimum liability limit (often $100k or $300k) — check your lease or welcome packet.
- List the community/manager as Additional Interest (for notices only, not coverage).
- Keep your policy active through move‑in and lease renewals; update address/unit when you move.
Instant Online Quote
Frequently Asked Questions
Does renters insurance cover my roommate?
Policies are typically written per named insured(s). Roommates usually need their own policies unless the carrier allows joint coverage—check eligibility during quoting.
Is my phone or laptop covered away from home?
Many policies include off‑premises coverage for personal property, subject to limits and deductible. Consider higher sub‑limits for electronics if available.
What if my community requires proof?
After purchase you can generate proof of insurance and list your property manager as Additional Interest to receive notices.
Are floods or earthquakes covered?
Standard renters policies exclude flood and earthquake; separate policies or endorsements may be available in some areas.
Answers above are general. Your policy’s declarations and forms govern coverage.