• Learn More About Car Theft Prevention
  • 4 Tips for Space Heater Safety
  • 6 Ideas to Cut Heating Costs This Winter
  • 5 Car Features That Will Soon Be Standard
  • Preparing Your Fleet for Winter

How Does Renters Insurance Work?

If you rent an apartment or home, you might not be thinking about insurance. After all, you don’t own the building and your landlord may have insurance in case something happens. But if your living room is damaged in a fire, your landlord’s policy likely won’t cover your brand new laptop or your vintage vinyl record collection.

Renters insurance helps protect your personal property inside your apartment — your electronics, furniture and clothing — unlike a homeowners policy that generally covers the building as well as what’s inside. In insurance speak, protection for your personal property is also known as “contents coverage.” And, as a renter, if you invest in updating items such as built-in appliances or bathroom fixtures, you may be able to apply a percentage of your contents coverage to repair or replace what has been damaged.

Renters insurance can also protect your personal possessions from theft, fire, vandalism and other hazards, both at home and anywhere in the world. So if there’s a theft at the hotel you’re staying at while on vacation, your renters insurance may help you replace your stuff the same way it would if your things were stolen from your apartment.

Protecting You, Along with What’s Inside Your Apartment

It’s not just your possessions that renters insurance coverage can help protect. It can also help protect you. In case a claim is brought against you or you are sued by a third party, your renters personal liability coverage can help to cover the legal costs and related damages. Many renters policies provide a minimum of $100,000 of financial protection that may help if someone claims injuries or damages while in your apartment, or caused by your personal activities or those of your household members. Read More

Recent Articles & News
  • Learn More About Car Theft Prevention
    anemptytextlline
    anemptytextlline
  • 4 Tips for Space Heater Safety
    anemptytextlline
    anemptytextlline
  • 6 Ideas to Cut Heating Costs This Winter
    anemptytextlline
    anemptytextlline
  • 5 Car Features That Will Soon Be Standard
    anemptytextlline
    anemptytextlline
  • Preparing Your Fleet for Winter
    anemptytextlline
    anemptytextlline
  • Safest and Most Dangerous States for Pedestrians
    anemptytextlline
    anemptytextlline
  • Don’t Help Crooks Steal Your Car
    anemptytextlline
    anemptytextlline
  • Renting Out Your House or Investment Property: 10 Things to Consider
    anemptytextlline
    anemptytextlline
  • Safeguard Your Business with a Distracted Driving Policy
    anemptytextlline
    anemptytextlline
  • Four Steps to Safer Drivers
    anemptytextlline
    anemptytextlline
  • 6 Considerations Before Joining a Nonprofit Board
    anemptytextlline
    anemptytextlline
  • How Does Cyber Insurance Work?
    anemptytextlline
    anemptytextlline
  • 3 Steps for Data Assessment, Inventory & Classification
    anemptytextlline
    anemptytextlline
  • Boost Your Cyber IQ [Tool]
    anemptytextlline
    anemptytextlline
  • 9 Key Elements of a Data Security Policy
    anemptytextlline
    anemptytextlline
  • Agribusiness Insurance
    anemptytextlline
    anemptytextlline
  • What is Personal Liability Insurance Coverage?
    anemptytextlline
    anemptytextlline
  • Preparing for the Risks of 3D Printing in Manufacturing
    anemptytextlline
    anemptytextlline
  • Cyber Risks and Your Business [Video]
    anemptytextlline
    anemptytextlline
  • What is Personal Property Coverage?
    anemptytextlline
    anemptytextlline
  • 8 Elements of a Fleet Safety Program
    anemptytextlline
    anemptytextlline
  • Dwelling Coverage
    anemptytextlline
    anemptytextlline
  • Rental Car Insurance: Does My Insurance Cover It?
    anemptytextlline
    anemptytextlline
  • Why You Need a Renters Insurance Policy
    anemptytextlline
    anemptytextlline
  • 5 Questions to Ask Your Insurance Rep About Renters Insurance
    anemptytextlline
    anemptytextlline
  • How Does Renters Insurance Work?
    anemptytextlline
    anemptytextlline
  • How the Home Insurance Claim Process Works
    anemptytextlline
    anemptytextlline
  • Information You May Need for a Homeowners Insurance Quote
    anemptytextlline
    anemptytextlline
  • Is Your Home Insured to Its Replacement Cost?
    anemptytextlline
    anemptytextlline