Personal Insurance › Renters Insurance

Renters Insurance

A landlord's policy generally addresses the building, while a renter may need separate protection for personal belongings and liability. The details depend on the policies involved.

What to review

• Personal property and valuation
• liability
• additional living expenses after a covered loss
• limits for valuable items
• deductibles
• what the landlord's policy does and does not address

Questions to bring

• How much would replacing my belongings cost?
• Would I have a place to stay after a covered loss?
• Do I have items with special limits?

Reading the details

Before choosing a policy, review the people and property listed, limits, deductibles, exclusions, optional endorsements, and effective date. Ask what changes when one option costs less than another. A proposal is a starting point for comparison; only the applicable policy and effective date determine coverage.

We can talk through the details and help you compare the terms that apply to your situation. A website page cannot determine whether a specific loss is covered.

Website content is provided for general educational purposes and does not amend, extend, or create insurance coverage. Coverage is subject to the terms, conditions, limitations, and exclusions of the applicable policy.