Renters Insurance you will be able to replace what is damaged or stolen.

Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing.

However, renters insurance does not cover floods, earthquakes or routine wear and tear. You can, however, buy separate policies for flood and earthquake damage.

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If you rent an apartment or house you need insurance to protect your belongings. While your landlord might have insurance, it only protects the building. Your belongings are not covered under those policies. 

These are some of the types of losses for which your personal property is covered:

• Theft

• Vandalism

• Smoke, if sudden and accidental

• Sudden and accidental discharge of water or steam from plumbing, heating, or air-conditioning system, or household appliance

• Fire or lightning

• Windstorm or hail

• Loss of use

• Personal liability

• Medical payments to others

Renters Insurance you will be able to replace what is damaged or stolen.

Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing.

However, renters insurance does not cover floods, earthquakes or routine wear and tear. You can, however, buy separate policies for flood and earthquake damage.

​

If you rent an apartment or house you need insurance to protect your belongings. While your landlord might have insurance, it only protects the building. Your belongings are not covered under those policies. 

These are some of the types of losses for which your personal property is covered:

• Theft

• Vandalism

• Smoke, if sudden and accidental

• Sudden and accidental discharge of water or steam from plumbing, heating, or air-conditioning system, or household appliance

• Fire or lightning

• Windstorm or hail

• Loss of use

• Personal liability

• Medical payments to others