Most rental companies require a renters policy!

Don’t assume your landlord’s insurance policy will protect you in case of theft, flood, or fire. While your landlord should have insurance, a landlord’s insurance policy only protects the landlord’s belongings and the building — not your personal items.  Rental companies want to see a renters policy for liability coverage- to protect them.

Coverages

Renters Insurance protects you and your family in many situations involving the belongings you keep in your rented apartment or home. The four most common risks we typically cover include:

• Theft
• Fire and smoke
• Vandalism
• Water damage from plumbing, furnace/AC or water heater
  

Personal Property
Helps reimburse you if your personal belongings are stolen or destroyed by a fire or other covered peril. It helps cover things like clothing, furniture, your laptop and other electronics – though you may want to opt for scheduled personal property coverage for especially expensive items and collections.

Reimbursed Living Expenses
Helps pay for your increased living costs if a covered loss makes your rented apartment or home uninhabitable. Those expenses typically include things like food and a temporary place to live.

Liability Protection
Helps pay for legal expenses, medical bills and other damages if someone gets injured at your place and sues you.

Guest Medical
Helps pay for reasonable and necessary medical expenses, like the cost of X-rays or an ambulance, if a guest is injured in or around your place, even if you're not at fault.