Renter's Insurance

Insurance made effortless for renters.

A woman checking her phone while she is moving into a new home

Liability Claims

There are many unplanned situations you may one day find yourself in.

Renter’s Insurance is like an umbrella in hand; it’s an affordable, proactive measure you can take instead of crossing your fingers and hoping for no rain. Here are a few examples you may not have forecasted in your future that would require a liability claim.

Fire & Smoke

Where there’s smoke, there’s fire — and where there’s fire, there’s damage. To recover the losses, Renter’s Insurance helps look after you from spark to finish.

Water Damage & Extended Water Coverage

Despite our best laid plans, pipes burst, septic pumps fail, and bathtubs overflow. Renter’s Insurance gives you the helping hand you need to cover any property damage and restore your space.

Additional Living Expenses

This includes any costs of basic daily living and maintaining good health. They’re covered by Renter’s Insurance when you’re forced out of your space by the unexpected.

Crime & Vandalism

Protect your valuables from theft or damage. Renter’s Insurance typically covers break-ins or damage to your belongings, and compensates you to be able to either repurchase or repair your property.

Personal Liability

There are countless scenarios that can end up hurting you financially: you left the water running, forgot to turn off the stove, somebody falls down your stairs and sues. Protect yourself from potential out-of-pocket replacement costs by making sure you have the right coverage in place.

What Should I Be Looking for in a Policy?

With so many different types of coverage, here’s what features you should consider before you commit to your Renter’s Insurance policy:

Coverage Limits

The maximum amount your insurance company will cover due to lost or damaged belongings, personal liability, or additional living expenses.


The Deductible

The amount you’re required to pay when you make a claim.


Scope of Policy

Renter’s Insurance covers a lot, but not everything. For example, if you run a business out of your rented residence and you’re sued for a business-related issue, your policy’s personal liability coverage portion likely will not cover it.


The price of your policy can be determined by the cost or coverage of the three factors mentioned above. Generally, the larger your coverage limit is, the higher the monthly cost of your insurance policy. There are also a few other factors that can affect your policy cost:

  • The city you live in
  • The type of building you live in
  • Your insurance history

Get Insurance in 3 Easy Steps

Getting a renter’s insurance policy that works for you is as easy as 1, 2, 3. Get peace of mind with these three easy steps:

Find and select the coverage you need with a quick and easy tenant insurance quote.

Choose a convenient payment plan that suits you best.

Get your policy documents in your inbox instantly.

Know Your Policy

No matter what kind of policy you get, make sure you closely review the terms and conditions to make sure you get the correct liability protection that’s best suited to your specific needs.

Having the wrong renter’s insurance policy can mean spending too much money on services you may not need — or worse, finding yourself not protected for something you thought you were and having to pay out of pocket for any damages.

Working with a good insurance company will help break down exactly what your policy entails, which can help ease your mind about exactly what you’re protected against.

If you’re renting property, make sure you have the correct insurance policy in place to protect you against any unforeseen issues that could hurt you financially.

Renter’s Insurance can help mitigate these risks and ensure that you stay safe in the one place you should always feel safe — your home.

Commonly asked questions about Renter's Insurance

Protect the things you love

In typical rental situations, your landlord’s insurance covers the physical structure of a building or dwelling, and you are responsible for anything you bring into the space, including furniture, electronics, clothing, jewelry, and other personal property. That means you need insurance, too. Sometimes Renter’s Insurance is a requirement in landlord-tenant lease agreements, but in any case, it’s a smart, proactive investment to protect the things you love.


For good reason, we don’t often think about what would happen if someone were to be injured in your home; in some circumstances, you may not be protected by the landlord’s insurance. Or what about any damages to the building? If you’re found responsible, you could be sued to recover the repair or rebuilding costs. And that’s again where Renter’s Insurance comes into play, to offer you the financial protection you need.

The common & not-so-common risks

There are some common risks to consider, like theft, fire, loss, and so much more. Since you can’t predict these situations, Renter’s Insurance is an affordable and simple way to protect the investment you’ve made in your personal property—and put your mind at ease. What you may not know is that this coverage is flexible; it applies to your belongings both while they’re in your home and when you’ve temporarily removed them to take with you for a weekend away or on a vacation. Also, if a covered loss were to make your home unlivable and you’re forced to leave, Renter’s Insurance covers the necessary, reasonable living expenses you incur—hotels, Airbnbs, food costs, etc.—until it’s possible to for you to move back into your home or you find a new place to live.


Although the risk is not as common, Renter’s Insurance can also provide you with financial protection if you were to be sued for injuring someone by accident or damaging someone else’s property. In these cases, Renter’s Insurance protects you if you’re named in a lawsuit, or if you’re found to be responsible for any unintentional bodily injury or damage to another’s property.

Your belongings

How much is my stuff worth? Likely more than you think! It’s a question that only you can answer by taking an inventory of your belongings to determine how much it would cost to replace it all. It can add up quickly. The great news is that we make it easy for you to customize your policy based on how much personal property you need covered, meaning you can opt for a lower amount of coverage while still maintaining the other benefits of Renter’s Insurance.

While your landlord will have their own insurance to cover the building itself, this unfortunately won’t cover any of your personal belongings.

The same goes for if you’re renting out a house or a room in a house, such as a basement suite. While the owner may well have home insurance to cover any loss or damage to their personal property, you’ll still want tenant insurance to cover any losses to your own personal belongings.

Unfortunately, there’s always a chance that unexpected circumstances could leave your items damaged beyond repair.

Thankfully, filing a claim is as simple as reaching out to your provider and giving them as much information as you can about the incident to ensure a seamless proceeds payout.
Since different companies have different policies, be sure to check with your provider or go over your policy to know exactly what to do when the worst case scenario happens.