Protecting your personal belongings – from bikes to blenders.

Renters insurance provides coverage for your personal belongings, such as clothes, furniture and electronics, up to the policy limits. Covered perils typically include fire and theft. Certain perils, such as floods and earthquakes, are typically excluded. If your home is uninhabitable after a loss, your insurance can also help with hotel bills and other associated costs.

Standard renters insurance also provides liability coverage for certain types of lawsuits, such as if your child accidentally knocks someone over, causing injuries.

Like homeowners insurance, renters insurance includes coverage for your personal belongings, additional living expenses and liability. The main difference lies in coverage for the building structure, which homeowners insurance includes but renters insurance does not. With renters insurance coverage, the policyholder does not own the building structures, so renters insurance does not provide this coverage. The owner of the rental building should have landlord insurance that covers the building itself.

Renters insurance also differs from condo insurance. If you own a condo, you will need condo insurance that covers your personal property as well as the interior structure of the unit, such as the walls, floors, and ceiling. The condo association will also need a master condo insurance policy that covers the exterior of the building and the shared areas.

Because renters insurance does not cover the building structure, it is much more affordable than homeowners and condo insurance. The amount you pay will depend on your limits and risk factors, but renters insurance is not usually expensive. The best way to find out how much you’ll pay for renters insurance is to request a renters insurance quote.

Many landlords require renters to carry renters insurance as part of the rental agreement – and for good reason.

Have you ever stopped to add up the value of all your belongings, including your clothes, electronics, furniture, kitchenware, books, games, and other possessions? Have you ever thought about how you would replace everything you own if you lost it all in a disaster?

Your landlord should have insurance that covers the building itself, but landlord insurance does not cover your personal belongings. For that coverage, you need renters insurance. This alone is a good enough reason to buy renters insurance, but when you add in the liability coverage you also receive, it’s an even better deal – especially since renters insurance is often very affordable.

Many renters are surprised to realize the value of their belongings. Unfortunately, some renters don’t take stock of their belongings until they’re dealing with a total loss, and then they may realize they don’t have enough coverage. To avoid this, it’s smart to perform an inventory of your belongings. This will help you determine appropriate limits, and it will also make the claims process easier if you experience a loss. If you have high-value items like art or jewelry, you may need to secure additional coverage through an endorsement or a standalone policy.

Also consider your liability insurance needs. If you want additional liability coverage, you can request higher limits or purchase a personal umbrella insurance policy.

Yes, it is often possible to bundle your renters and auto insurance for a discount. This can be an easy way to secure affordable renters insurance. It can also simplify insurance processes since you’re only dealing with one carrier.

If you’re looking for the best renters insurance, it starts with a renters insurance quote. You’ll need to provide a little information about your home. Use the button below to get started.