Renters Insurance Coverages

What does renters insurance cover?

Renters insurance covers your belongings (furniture, clothes, appliances, electronics, etc.) if they're damaged or stolen, plus injuries that you're liable for, legal fees and even hotel expenses if you need a place to stay.

What is covered under standard renters insurance?

These basic renters insurance coverages come standard in your policy:

Personal property

Covers your belongings if stolen or damaged

Loss of use

Covers your temporary living expenses

Personal liability

Covers lawsuits if you're sued

Medical payments

Covers injuries at your place

Optional renters insurance coverages

You can add any of these coverages to your policy based on your needs:

Water back-up

Covers water damage from backed-up sump pumps and sewers

Personal injury

Covers rare but expensive lawsuits and situations

What isn't covered by renters insurance?

Renters insurance won't cover damages to the roof, building/exterior of your residence or the premises around it. Those areas are your landlord's responsibility and, if damaged, your landlord would have to pay for those repairs.

We have Answers to your renters coverage questions

Wondering what kind of coverages you need to protect yourself as a renter or landlord? Progressive Answers is your resource for in-depth information regarding renters insurance.

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