Why Renters Need Their Own Policy
A landlord's insurance usually covers the building, not the tenant's personal belongings. That is why renters insurance exists as a separate product.
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What Renters Insurance May Include
- ✓ Coverage for personal property after covered events such as theft or fire, depending on the policy.
- ✓ Personal liability coverage for covered claims involving injury or property damage to others.
- ✓ Loss-of-use or additional living expense coverage in certain covered situations.
What Renters Should Compare
Coverage limits for personal property, deductible amount, liability limits, and whether expensive individual items may need additional scheduled coverage.