In a standard renters insurance policy, the following are covered is they are damaged by a covered peril, up to policy limits.  

Your property

  • Personal belongings: If the item is not attached to the property, it is considered a personal possession, even if it is not stored on the insured property. For example, if your storage unit is broken into and the contents are stolen, your renters insurance covers the cost to 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 is damaged from an insured peril.

Medical payments

Medical payment coverage pays medical bills if a guest in injured in your home.

Do you need more information about renters insurance? Our agents and customer service representatives are here to help. Call us today at 1-888-949-6289 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.

*Please review your own policy carefully for details on renters insurance. Renters insurance varies by insurance company and policy.