Personal property coverage provides coverage for items such as clothing, electronics, furniture, tools, and appliances. These types of items may be covered against incidents including fire, theft, vandalism, tornadoes, and water damage. You may need extra coverage for jewelry or art and collectibles, which you can add during the renters insurance quote process.
Example: Your place is burglarized, and your couch is stolen. Your personal property coverage may reimburse you the cost to replace the couch, up to your policy’s limits, minus your deductible.
If you're responsible for someone's injuries at your residence, personal liability coverage may pay for their injuries up to the limits of your policy.
Example: : You host a party and one of your guests slips and falls. If you're liable, renters insurance may pay for medical expenses, lost wages and court/legal fees if you're sued.
Loss of use
If your place is damaged and uninhabitable due to a covered loss, loss of use coverage may help pay for lodging and grocery expenses (above what you'd normally pay).
Example: Your apartment's kitchen is damaged due to a cooking fire, and you're forced to stay in a hotel for a week during repairs. You may be reimbursed for hotel and dining expenses above what you would normally spend on groceries or dining out.