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Personal Insurance

Renters Insurance

Covers your personal belongings and liability as a tenant, since a landlord's policy only ever covers the building itself, never what's inside your unit.

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What it covers

  • Personal belongings against fire, theft, and other covered perils
  • Personal liability if someone is injured in your rental
  • Additional living expenses if your rental becomes temporarily uninhabitable
  • Coverage that follows you if you move to a new rental

What it doesn't cover

  • The building structure itself, which is the landlord's responsibility
  • Flood damage, without separate coverage
  • A roommate's belongings, unless they're also named on the policy
  • High-value items beyond standard limits, without a scheduled endorsement

Who needs this

Any renter. It's inexpensive, and it's the only coverage that actually protects your own belongings, since your landlord's policy never does.

From our horror stories

The Renter Who Thought the Landlord's Policy Covered Everything

An apartment fire destroys a tenant's belongings, and the tenant learns the landlord's insurance only ever covered the building itself.

Read the full story →
Common questions

Renters Insurance FAQ

Doesn't my landlord's insurance cover my stuff?

No. A landlord's policy covers the building and their own liability, never a tenant's personal belongings. That's specifically what renters insurance is for.

Is renters insurance actually expensive?

Usually surprisingly affordable, often less than the cost of a couple of restaurant meals per month for meaningful coverage.

Does this cover me if a guest gets hurt in my apartment?

Yes, personal liability coverage is included and responds to exactly this kind of situation.

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