Why do I need renter's insurance?

If your home were to be destroyed by fire, think about how much it would cost to replace all of your personal possessions like your clothes, furniture and electronics. If you have a renter's insurance policy, there's no need to worry because your personal property is covered. A renter's policy covers losses due to fire, theft and even vandalism.

If your home is damaged to the point that you can't live there, you'll need to find a temporary place to live which can add more expense to an already bad situation. A renter's policy includes coverage for additional living expenses while your home is repaired.

Even when you're away from home, a renter's insurance policy provides valuable theft protection which can come in handy for personal property that is often targeted by thieves like a bike or laptop. Find out just how affordable a renter's insurance policy can be. It won't cost you a thing to get a quick, no-obligation quote today.

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What does renter's insurance cover?

In most cases, a landlord’s insurance only covers structural damage to the building itself, not the possessions or liability of a tenant. So what is covered?

Personal Property

Here are some basic examples of personal property that is typically covered by a renter's insurance policy:

  • Stereo systems, VCRs and televisions
  • CDs, DVDs, videos and tapes
  • Personal cameras
  • Movable appliances, including microwave
  • Furniture
  • Sports equipment
  • China and glassware
  • Clothing
  • Books

Natural Hazards

Most policies protect your personal property against losses created by the following:

  • Fire and smoke
  • Vandalism
  • Water damage (not including floods)
  • Frozen water pipes
  • Hail
  • Windstorm
  • Lightning
  • Explosion
  • Vehicles or aircraft
  • Theft at residence

Items not listed here may still be insurable, so ask about a specific policy for you.

This information is only a general description of the available coverage and is not a contract. All coverage types are subject to availability and qualifications.