What Does Renters Insurance Cover?

Whether you live in a small studio or a luxury apartment, Renters Insurance is available to protect you & your belongings.  Renters Insurance can include:

Personal property

Renters Insurance can help you replace your belongings after a covered incident in your home, such as a fire or burglary.  The average renter owns about $20,000 in personal property and is 25 percent more likely to be burglarized than someone who owns a home.  Renters Insurance protects your belongings anywhere in the world — whether they’re stolen from the trunk of your car or taken out of your luggage at a hotel overseas.

Personal liability

If you’re sued because someone was hurt in your apartment or because you (or someone covered under your policy) accidentally injured someone, renters insurance can provide liability coverage for legal costs. The limits of personal liability coverage vary, so please check to see what your limits are when you get a quote.

Medical payments

Renters Insurance can also help cover medical payments up to a certain limit if a guest or visitor is injured on your property, though it generally doesn’t cover injuries to you or other household members.

Property damage to others

Renters Insurance coverage for your apartment or house follows you wherever you go, so if you accidentally break or damage someone else’s property, your policy can help pay to replace it.

Additional living expenses

If you can’t stay at your apartment because of a covered incident, renters insurance can help pay for a place to stay, among other things.  Loss-of-use coverage, otherwise known as relocation expenses or additional living expenses, could help cover living costs up to a certain limit.

Give us a call here at Morning Star Agency Insurance Services or fill out the Quick Quote box at the top of this page.  We will work with you to make sure you are fully covered!


Click here to access our quote form and we will contact you