Instant Renters Insurance
Coverage Options
Renters insurance provides essential protection for your belongings and peace of mind for you.
01
Personal Property Insurance
02
Personal Liability Insurance
03
Loss of Use Coverage
04
Additional Living Expenses
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Common Questions About Renters Insurance
What does renters insurance cover?
Renters insurance typically covers personal property, personal liability, and additional living expenses if your home becomes uninhabitable due to a covered loss.
Is renters insurance mandatory?
While not legally required, some landlords may require renters insurance as part of the lease agreement to protect their property.
How much renters insurance do I need?
The amount of coverage you need depends on the value of your personal belongings and your potential liability exposure. An agent can help you determine the right coverage.
Does renters insurance cover theft?
Yes, renters insurance typically covers theft of your personal belongings, whether it occurs inside or outside your rental property.
Can I bundle renters insurance with other policies?
Yes, many insurance companies offer discounts if you bundle renters insurance with other policies like auto or life insurance.
What is loss of use coverage?
Loss of use coverage provides reimbursement for additional living expenses if your rental home becomes uninhabitable due to a covered event.
How do I file a claim?
To file a claim, contact your insurance provider as soon as possible. They will guide you through the process and inform you of the necessary documentation.
Are roommates covered under my policy?
Typically, renters insurance only covers the policyholder. In some cases, you will have the option to have roommates.
Does renters insurance cover natural disasters?
Coverage for flood and earthquake are not covered. You can generally purchase a separate policy for these risks.