Renters insurance protects your belongings and your liability. Your landlord’s policy covers the building, not what you own.
What it generally covers
- Your personal belongings
- Personal liability if someone is hurt in your home or you damage property
- Additional living expense after a covered loss
Where gaps often hide
- The landlord’s policy does not cover your belongings
- Flood is excluded
- Roommates may not be covered unless they are listed
- Limits on valuables
Questions worth asking
- Does my lease require proof of coverage or a liability minimum?
- Are my valuables limited?
- Is a roommate covered?
General information only. Actual coverage depends on your policy, and coverage is not in force until confirmed in writing by the agency.