Renters insurance
The landlord’s policy does not insure the tenant’s belongings or liability.
A renters policy can protect far more than furniture.
Personal property
Choose an appropriate limit and settlement basis. Replacement cost and actual cash value can produce very different recoveries.
Loss of use
Covered damage may require temporary housing and additional living expense. Understand limits and documentation.
Personal liability
A tenant can be liable for injuries, fire or water damage and off-premises personal activities. Policy exclusions still apply.
Valuables and special limits
Jewelry, collectibles, electronics used for business and other categories may need scheduling or higher limits.
Complete household protection