Safeguard Your Valuables with Renters Insurance Coverage

Did you know that your landlord’s insurance only covers the building and not what’s inside your rental unit? Most people would not be able to afford the expense of replacing their belongings in the event of theft, fire, or water damage, and that’s where renters insurance comes in. Whether you are renting an apartment, house, condo, or even a trailer, you can protect yourself and your valuables with a renters insurance policy from USAgencies.

What is renters insurance?

Renters Insurance, often referred to as rental insurance or apartment insurance, protects you from fire, theft, water damage, and other unexpected events that your landlord’s insurance policy won’t cover. For example, you’re at work or on a family vacation and when you return home, you find your building has been destroyed by a gas explosion. In most cases, a landlord’s insurance policy only covers structural damage to the building itself, not the possessions or liability of a tenant—that’s where renters insurance comes in.

Rental insurance will also protect you from incidents that happen while you’re at home, such as a fire caused by your toaster malfunctioning or if someone trips and falls in your apartment, leading to expensive medical bills or even a lawsuit. Renters insurance provides coverage for your own items, and it provides coverage for other people’s injuries or damages in situations for which you’re liable, as well.

Get a free renters insurance quote in minutes by filling out the form at the top of the page. You can also give us a call at 800-958-8545 to talk to a friendly, knowledgeable insurance advisor who can answer your questions and help you find the right policy.

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Is renters insurance required?

Some landlords require tenants to obtain a renters insurance policy. Whether your landlord requires renters insurance or not, it’s a good idea to take an inventory of your possessions and think about what it would cost you to replace them. For less than the cost of a take-out meal a month, a renters insurance policy can give you peace of mind.

What does renters insurance cover?

Renters insurance covers your belongings if they’re damaged or stolen. Renters insurance also covers injuries that happen at your place, lawsuits and legal fees if someone sues you, and even hotel expenses if you need a place to stay. Below are some specific examples of what renters insurance covers:

Personal Property

Renters insurance typically covers the following personal items:

  • Stereo systems, TVs, and DVD players
  • CDs, DVDs, videos, and tapes
  • Personal cameras
  • Movable appliances, including microwaves
  • Furniture
  • Sports equipment
  • China and glassware
  • Clothing
  • Books

Natural Hazards

Most policies protect your personal property against losses caused by the following:

  • Fire and smoke
  • Vandalism
  • Water damage (not including floods)
  • Frozen water pipes
  • Hail
  • Windstorm
  • Lightning
  • Explosion
  • Vehicles or aircraft
  • Theft at residence

What is not covered by renters insurance?

Rental insurance will not automatically cover your roommate’s belongings. Your roommate would need to buy his or her own policy or purchase a joint renters insurance policy. In addition, renters insurance may cover items stolen from your car, but it won’t cover your vehiclethat’s what auto insurance is for. Here are a few other events that are not covered by renters insurance:

  • Natural disasters (flooding, earthquakes, tornadoes, hurricanes, sinkholes, etc.)
  • Property damage caused by pests (rodents, bugs, and other vermin)
  • Items of high value (antiques, art, jewelry, vintage family heirlooms, rare autograph collections, premium appliances, etc.)
  • Damages caused by terrorism or nuclear war

Renters Insurance Quotes

Request a free renters insurance quote online by filling out the form at the top of the page or by giving us a call at 800-958-8545.