Renters insurance coverage types

We want to help you to understand exactly what your options are when it comes to renters coverage. From the basics – the coverages that come with every policy – to optional insurance that provide extra protection based on your needs. That way you can customize your policy, so you only pay for what you need.

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Insurance coverage for your belongings

Personal Property

Pays the actual cash value of covered personal property that needs to be replaced due to a covered loss.

Blanket Jewelry

Replaces your jewelry if it is lost or stolen, with no deductible or up-front appraisal necessary.

Personal Property Replacement Cost

In the event of a covered loss, we'll pay the actual cash value for items at the time of loss, then up to the full amount of the cost in today's market.

Insurance coverages for damages

Earthquake

Covers damage to personal property caused by earthquakes.

Personal Liability and Medical Payment to Others

Covers you in the event of injury or property damage to somebody else.

Insurance coverage for expenses

Additional Living Expenses/Loss of Rent

Covers any necessary increase in living expenses incurred by you and your house so that you can maintain their normal standard of living.1

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1Stated policy limits apply; not available in all states.