Renters Insurance Basics

Why Do You Need Renters Insurance?

Your landlord's insurance doesn't cover your belongings

Protection against theft, fire, and natural disasters

Liability coverage for accidents in your rental

Often required by landlords

Extremely affordable - often under $20/month

Covers temporary living expenses if displaced

What's Covered?

Renters insurance typically covers four main areas:

Personal Property

Your furniture, electronics, clothing, and other personal belongings are covered against perils like fire, theft, vandalism, and certain natural disasters.

Liability Protection

If someone is injured in your rental or you accidentally damage someone else's property, liability coverage helps protect you from lawsuits and medical bills.

Additional Living Expenses

If your rental becomes uninhabitable due to a covered loss, this pays for temporary housing, meals, and other necessary expenses.

Medical Payments