Renters Coverage Details

Find out how renters coverage works.

renters insurance coverage items
Here's what you're covered for with a standard renters policy

It's important to understand the difference between what your policy might cover, and what it won't. Here's a rundown of some of the most common issues you could face and whether or not you'll be protected with a standard policy.

Personal Property Coverage

What it covers:
  • Repair or replacement of furniture, clothing, electronics, and other personal items.
  • Valuables up to a certain dollar limit.
  • Personal property stolen from your car.
What it doesn't cover:
  • Repair or replacement of personal items for reasons that are not covered.
  • Damage from floods or earthquakes.
  • Costs to repair or replace belongings over policy coverage limit.
Liability Coverage

What it covers:
  • Medical bills of a guest who's injured on your property.
  • Repairs of accidental damage to someone else's property.
  • Legal costs if you are sued for reasons that are covered.
What it doesn't cover:
  • Court costs involving reasons that are not covered.
  • Your own medical bills.
  • Amounts over your coverage limit.
Additional Living Expenses Coverage

What it covers:
  • You'll be reimbursed for living costs if your rental property becomes uninhabitable due to a covered reason.
What it doesn't cover:
  • Reimbursement for reasons that are not covered.
  • Damage to the building's structure.