Renters Insurance Endorsements

If your property is damaged by an insured peril, then your renter’s policy will have limits in their policies. Although endorsements can help supplement coverage.

There are a few optional endorsements available to renters:

Sewer And Drain Backup

A backed-up sewer or a drain can cause a lot of damage to property. Renters are also responsible for their own personal belongings. This means any items damaged in the water back up due to a sump pump incident or some other unplanned event.

Jewelry And Other Valuables

Most renters insurance policies have gap coverage, which covers jewelry, as well as similar valuables. This covers only a few thousand dollars of the replacement cost. If your valuables are worth more than a few thousand. Then, an endorsement can help insure them at their proper value.

Electronic Equipment

Claim limits for electronic equipment may not be a set dollar amount. This will depend on the policy. Because, if the limit is not a dollar amount, it may be a percentage of the renter’s insurance total personal property coverage.

Identity Theft

Identity theft protection is reimbursement coverage. This is for the cost of services to repair a stolen identity, whether it be via stolen credit card information or other means.

Refrigerated Property Coverage

Refrigerated property coverage protects the contents of freezers and refrigerators. For instance, if your electricity is out long enough to spoil them. This covers electric outages caused by damage to the power transmitter and mechanical failure.

Sports Equipment And Musical Instruments

Sports equipment and musical instruments have a per-item and claim limits. Since standard limits range from $500 to $2,000, high-priced items like parachute systems and pianos are valued over policy limits. Endorsements can help protect this price difference.


If you want to buy a collections endorsement, policyholders will need to have a collection valued by an appraiser. The limit should take into account the value of all collections, not just a set.

If you live in an area prone to natural disasters, then a renters insurance policy may also have the following endorsements:


Earthquakes are not an insured peril covered by renters insurance. Although, if your renters insurance provider does not offer an earthquake endorsement then you can buy a separate earthquake insurance policy.


States like Florida are more susceptible to sinkholes. Policyholders in states that are more prone to sinkholes should consider a sinkhole endorsement.

Floods Are NOT Insured Perils

Floods are not covered under renters insurance. You also may not add it as an endorsement. To protect their belongings, renters may buy flood insurance from the National Flood Insurance Program. This is a good idea and will protect up to $100,000 worth of property.

More Information

Would you like to know more about types of endorsements or personal property insurance coverage? Have a question about standard homeowners insurance or identity fraud expense coverage?

Don’t worry, our agents and customer service representatives are here to help with the specific items and services you need assistance with.

Call us today at 888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.

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*Please review your own policy carefully for details on renters insurance terms and conditions. What a renters insurance policy covers, such as medical payments or extended coverage, varies by insurance company and policy.