Before choosing a policy, be sure to understand the major types of coverage provided in a typical renters insurance policy.

• Personal property helps pay to repair or replace belongings (furniture, electronics, clothing) if damaged, stolen, or destroyed by a covered loss.
• Liability coverage helps if someone is injured in your rental unit or if you’re legally responsible for damage to someone else’s property.
• Loss of use / Additional living expenses helps cover temporary housing and living costs if your rental becomes uninhabitable after a covered loss.
• Medical payments to others may help cover minor medical costs for guests injured on your property, regardless of fault.
• Off premises coverage. Many policies extend protection to cover belongings away from your rental (for example, items stolen from your car or while on vacation).

There are certain coverages you may want to consider adding on your policy.

• Scheduled personal property. Important for high-value items (jewelry, art, collectibles) that may exceed the limits of a typical policy.
• Disaster exclusions. Standard renters policies typically do not cover flood or earthquake, so may require separate policies or endorsements.

Having the right coverage is half the battle. Customizing and updating your policy based on your current needs is just as important.

• Deductible. Higher deductibles may lower your premium, but increase out‑of‑pocket costs if you have a claim.
• Coverage limits. Inventory your belongings to ensure limits are adequate to replace them.
• Roommates. Verify how coverage applies for roommates or other household members.
• Life changes. Moving, acquiring expensive items, and household changes are all reasons to review your coverage.

Taking the time to understand your coverage, review your limits, and update your policy as your needs change can help prevent unexpected gaps in coverage when you need it most.

Getting an online quote is fast and easy. Personalized help is available. Explore quality coverage today.