Renters Insurance
Renters insurance centers on your belongings, your liability, and temporary living costs after a covered loss.
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Your personal property
Coverage can help after fire, theft, or other perils named in the form. An inventory helps you set a limit. High-value jewelry, bikes, or electronics may need scheduled coverage.
Liability protection
Liability coverage can apply if you are legally responsible for a guest’s injury or damage to someone else’s property. If a lease requires renters insurance with minimum limits, read the lease and the policy together — one does not replace the other.
Extra living costs
If a covered loss keeps you from staying in the rental, additional living expenses coverage may help with reasonable extras such as a hotel.
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Frequently asked questions
Does renters insurance cover my roommate?
Only if they are a named insured or otherwise qualify under the policy definitions. Do not assume a roommate is covered.