If your property is damaged by an insured peril, your renters policy will have limits in their policies but endorsements can help supplement coverage.

Optional endorsements available to renters are:

Sewer and drain backup

A backed-up sewer or drain can cause a lot of damage to a property. Renters are also responsible for their own personal belongings, which could be damaged in a water backup.

Jewelry and other valuables

Most renters insurance policies gap coverage for jewelry and similar valuables at a few thousand dollars. If your valuables are worth more than a few thousand, an endorsement can help insure them at their proper value.

Electronic equipment

Claim limits for electronic equipment may not be a set dollar amount, depending on your policy. If the limit is not a dollar amount, it may be a percentage of the renters insurance policy’s total personal property coverage.

Identity theft

Identity theft protection is reimbursement coverage for the cost of services to repair a stolen identity.

Refrigerated property coverage

Refrigerated property coverage protects the contents of freezers and refrigerators if your electricity is out long enough to spoil them. Electric outages caused by damage to the power transmitter and mechanical failure are covered.

Sports equipment and musical instruments

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


In order to purchase collections endorsements, 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, renters insurance policies may also have the following endorsements:


Earthquakes are not an insured peril covered by renters insurance. If your renters insurance provider does not offer an earthquake endorsement, you can purchase 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 and may not be added as an endorsement. To protect their belongings, renters may purchase flood insurance from the National Flood Insurance Program to protect up to $100,000 worth of property.

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.