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Renters insurance helps protect your belongings and personal liability when you rent. The landlord’s policy typically covers the building — not your furniture, electronics, or liability as a tenant.

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What’s usually included

  • Personal property — covered losses to your stuff (limits and perils per policy)
  • Liability — if you’re responsible for injury or damage
  • Additional living expenses — temporary housing after a covered loss that makes the unit unlivable
Many landlords require proof of renters insurance. Even when they don’t, replacing everything after a fire or theft is expensive without it.

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Next step

Renting and want a clear quote? A licensed agent calls during business hours (Mon–Fri 9–5 CT):