Renters Insurance
Renters insurance helps protect the personal belongings and liability of people who rent a home, apartment, or other dwelling. GetMyPolicy.app connects you with licensed insurance agents who can help you explore available renters insurance options from participating companies.
As a renter, you may want coverage that helps protect your personal property and offers liability protection in case of certain covered events such as fire, theft, or accidental damage, subject to policy terms.
Insurance agents can help you understand what coverage types may be available and whether renters insurance makes sense for your situation and the items you own.
Common renters insurance coverages
- Personal property coverage: May help pay to repair or replace your belongings (furniture, electronics, clothing, etc.) if damaged or lost due to a covered peril, up to policy limits.
- Personal liability coverage: May help protect you if someone is injured in your rented home and you are found responsible for the injury or property damage, subject to policy terms.
- Additional living expense coverage: May help cover certain living costs (temporary housing, etc.) if your rental becomes uninhabitable after a covered loss, subject to policy limits.
- Loss of use coverage: May help with costs associated with displacement, where covered and applicable.
What to consider when evaluating renters insurance
- The value of belongings you want to protect — think about furniture, electronics, clothing, and other valuable items.
- Whether you want liability coverage for possible accidents or injuries occurring at your rental property.
- Whether you need coverage for additional living expenses if the rental becomes uninhabitable due to a covered event.
- Deductibles, limits, and policy terms that may affect how much coverage applies and what you pay out-of-pocket.
- Any special items (jewelry, collectibles, etc.) that may exceed standard coverage limits and may need separate scheduling or endorsements.
How GetMyPolicy.app can help
When you submit your information, a licensed insurance agent may contact you to discuss renters insurance options available from participating companies. They can:
- Explain coverage types, limits, deductibles, and optional add-ons.
- Help you estimate what coverage may cost.
- Compare multiple renters insurance plans side-by-side, where available.
- Answer questions about policy terms, exclusions, and special coverage needs.
Things to check before buying renters insurance
Your needs and living situation are unique — consider these points and discuss with a licensed insurance agent to make sure coverage fits your lifestyle and belongings.
Make a list of items you own including furniture, electronics, clothing, and valuables to estimate how much coverage you may need and whether standard limits are sufficient.
Liability coverage can help protect you if someone is injured at your rental and you’re responsible. Choose coverage limits based on your comfort with potential risk and cost.
Consider coverage that helps with living expenses if you must temporarily relocate because your rental becomes uninhabitable after a covered loss.
Some policies place lower coverage limits on certain item categories (e.g. jewelry or electronics). You might need additional endorsements or separate scheduling for full protection.
Higher deductibles may reduce your premium but increase what you pay out of pocket after a loss. Understand how different deductible options affect cost and coverage.
If your rental is in an area prone to risks (like theft, flooding, storms), talk to an agent about coverage options or additional policies to ensure appropriate protection.
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