Coverage Included in Renters Insurance
In a renters insurance policy, the following items have cover if damaged by a covered peril, up to the policy limits.
- Personal belongings: If the item’s not attached to the property, it’s considered a personal possession. This means even if it’s not stored on the insured property. For instance, if someone breaks into your storage unit and steals items. Then your renters insurance pays for the damages. Additionally, you renters insurance covers the cost to repair or replace them.
- Toys and games
- Tools and power equipment
- Appliances bought by the renter, not the property owner
If the renter injures a guest or the renter causes damage to the property of others, this coverage will compensate the injured party for damages. If the renter’s sued, a renters insurance policy’s personal liability coverage will pay for lawyers and court fees, up to policy limits.
Loss of use
Loss of use pays for living and food expenses if your property’s damaged from an insured peril.
Medical payment coverage pays medical expenses if a guest’s injured while in your home.
Would you like to know more about renters insurance coverage or personal property coverage? Do you have a question about collision coverage following a car accident? Our agents and customer service representatives are here to help.
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*Please review your own policy for details on the types of coverage you renters insurance offers. Renters coverages vary by state law, insurance company and types of insurance policy.