What does renters insurance cover?

Renters insurance may include the following coverage options:

Personal Property Coverage

Personal property coverage may help protect your personal belongings such as appliances, furniture, clothing, and computer equipment.

Liability Coverage

Liability coverage may provide legal defense in the event of a lawsuit. It may also help pay court judgements against you.

Medical Payments Coverage

Medical payments coverage may help pay medical expenses should someone get injured in your property. It may also cover injuries caused by a member of your family (including your pet) regardless of where the accident happens.

Coverage for Loss of Use

If you can’t stay in your rental property due to a covered incident, Loss of Use Coverage may help pay for your temporary living expenses. For example, if your apartment must be repaired after a kitchen fire in the unit next door, this coverage may help you pay for a hotel stay.