Renters insurance for what's inside your rental
Your landlord's policy covers the building, not your belongings. Renters insurance helps protect your things and your liability.
What is renters insurance?
Renters insurance helps pay to replace your personal belongings after a covered loss like fire or theft. It also includes personal liability protection and can help with living expenses if your rental becomes unlivable.
Many landlords require tenants to carry a minimum amount of liability coverage. We can help you meet those requirements.
Common coverage options
Availability and terms vary by insurance company and state. An agent can explain what applies to you.
- Personal property
- Helps replace your furniture, electronics, clothing, and other belongings after a covered loss.
- Personal liability
- Helps cover legal costs and damages if you're responsible for someone's injury or damage to their property.
- Loss of use
- Helps with additional living costs if a covered loss forces you to move out temporarily.
- Medical payments to others
- Helps pay minor medical expenses if a guest is injured in your home, regardless of fault.
Benefits
- Protection for belongings at home and often while traveling
- Liability coverage many landlords require
- Help with temporary housing costs after a covered loss
- Often available at a modest cost compared with other policies
Things to consider
- Estimate the total value of your belongings. It's often more than people expect.
- Check whether your landlord requires specific liability limits or to be listed as an interested party.
- High-value items like jewelry or collectibles may need additional coverage.
- Roommates are usually not covered under your policy unless specifically added.
Renters Insurance questions
Doesn't my landlord's insurance cover my stuff?
Generally, no. A landlord's policy typically covers the building and the landlord's liability, not tenants' personal belongings.
Is renters insurance required?
It isn't required by state law, but many leases require it. Check your lease or ask your property manager.
Can I get proof of insurance for my landlord?
Yes. Once a policy is issued, we can help you get proof of coverage to share with your landlord or property manager.
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Questions about renters insurance?
Request a free quote online or call a SureLine agent. There's no obligation to buy.