FAQs (data-driven)

Renters Insurance

• What does renters insurance typically cover?

  Renters insurance typically helps protect your personal belongings against certain covered losses, such as theft or damage. It may also provide personal liability coverage and help with additional living expenses if a covered loss makes your rental temporarily uninhabitable. Coverage, limits, deductibles, and exclusions vary by policy and insurance carrier.

• Does my landlord's insurance cover my belongings?

  Generally, no. A landlord's insurance policy typically covers the building or property they own, but it does not cover a tenant's personal belongings. Renters insurance can help protect your furniture, electronics, clothing, and other personal property against covered losses.

• How much renters insurance coverage do I need?

  The amount of renters insurance you need depends on the value of your personal belongings, your liability needs, and other factors. Creating an inventory of your furniture, electronics, clothing, appliances, and other possessions can help you estimate how much personal property coverage you may need.

• Does renters insurance cover theft?

  Renters insurance may cover personal belongings stolen during a covered theft, subject to the terms, limits, deductible, and exclusions of your policy. Certain high-value belongings may have separate coverage limits, so it is important to review your policy and discuss valuable items with your insurance agent.

• Does renters insurance cover damage caused by fire or water?

  Renters insurance may cover personal property damaged by certain covered events, including some types of fire or water damage. However, coverage depends on what caused the damage and the terms of your policy. For example, standard renters insurance generally does not provide flood coverage.

• Does renters insurance cover my roommate's belongings?

  Generally, renters insurance covers the people specifically insured under the policy and does not automatically cover an unrelated roommate's belongings. Roommates should review their individual insurance needs with an insurance agent to determine whether separate policies are appropriate.