Renters insurance helps protect you and your belongings if the unexpected happens. A landlord's insurance policy covers the building, but not your personal things. If you rent an apartment, condo, house, etc., you need renters insurance.
What does renters insurance cover?
A renters insurance policy can provide coverage for you and your belongings for things like:
- Smoke damage
- Water damage
- Visitor injuries
What items are covered by renters insurance?
Commonly covered items include:
- Electronics and appliances (television, computer, etc.)
- Furniture and clothing
- Extra expenses if property is uninhabitable due to a covered loss
- Accidental damage to someone else's property
- Medical expenses and/or legal fees if someone is injured on your property
If you have a jewelry collection of items like engagement rings, wedding bands, diamond bracelets, etc., you may also need special coverage for these along with your renters insurance policy.
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Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.