How to Insure Your Personal Belongings as a Renter

Renter’s insurance helps protect your electronics, furniture, and valuables from theft, fire, and disasters.

​Here's how to make sure you’re fully covered.

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Why Renters Need More Than Just a Lease

Even if your landlord has insurance, that coverage does not extend to your personal belongings. If your laptop is stolen or your furniture is destroyed in a fire, you’d be responsible for replacing everything out of pocket—unless you have renter’s insurance.

What Does Renter’s Insurance Cover?

• Personal property: Electronics, clothing, furniture, and more
• Loss of use: Covers hotel and food expenses if your rental becomes uninhabitable
• Liability protection: If someone is injured in your rental space
• Medical payments: For minor injuries to guests, regardless of fault

How to Get the Right Coverage

1. Take inventory of your belongings and estimate their value
2. Decide between actual cash value or replacement cost coverage
3. Choose a deductible that fits your budget
4. Ask about endorsements for high-value items (jewelry, fine art, firearms)

Premiums vary depending on location, coverage limits, and your deductible.

Some of The Carrier's We Work With That Offer Renter’s Insurance

• Safeco
• Allstate
• Progressive
• Foremost

Disclaimer: Policy terms vary by carrier. Always review your coverage carefully or consult with a licensed professional.