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.

Your Property

  • 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 renter’s insurance pays for the damages. Additionally, your renters insurance covers the cost to repair or replace them.
  • Clothing.
  • Electronics.
  • Furniture.
  • Decorations.
  • Toys and games.
  • Tools and power equipment.
  • Appliances bought by the renter, not the property owner.

Personal Liability

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 is 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 Payments

Medical payment coverage pays medical expenses if a guest’s injured while in your home.

More Information

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.

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.

We also have a strong presence on social media. So, like or follow us on Twitter, Facebook, Instagram, or Pinterest. After that, we can keep you updated on helpful topics and local news about extra coverage, living expenses, legal fees, and much more.

Additionally, we can help you find a renters insurance quote right on our website. Because we want to help you save money wherever possible, we offer our insurance quotes completely free of charge. By navigating our website, you can also inform yourself about many useful topics, such as the time limit required for you to notify the insurance company about a crash, how to file a police report, and situations in which your coverage will pay for repair costs for your vehicle.

Lastly, we also have blogs that may help you with any questions you have. For instance, our blogs cover many different topics. From how to keep your car cool in the summer, to proper steps to take after Godzilla damages your car.

*Please review your own policy carefully for details on the types of coverage your renter’s insurance offers. Renters coverage varies by state law, insurance company and types of the insurance policy.