Covers your personal belongings if they’re stolen or destroyed by a fire, theft or other covered peril. It includes things like clothing, furniture, your laptop and other electronics—though you may want to opt for scheduled personal property coverage for especially expensive items and collections.
Scheduled personal property
If something happens to your high-priced belongings, this covers them beyond the limits of what your personal property coverage will pay. You can add it to your policy to help cover an expensive piece of jewelry, your collection of audio equipment or other pricey items you own.
Reimbursed living expenses
Helps pay for your increased living costs if a covered loss makes your home uninhabitable. That typically includes things like food and a temporary place to live.
Covers legal expenses, medical bills and other damages if someone gets injured at your place and sues you.
Guest medical coverage
Covers reasonable and necessary medical expenses, like the cost of x-rays or an ambulance, if a person injures him- or herself in or around your place.
Identity restoration coverage
If you become a victim of full-blown identity theft, it can be hard to pick up the pieces. If you add identity restoration coverage to your renters policy, you’ll have a fraud specialist to help.
Floods are the #1 natural disaster in the U.S.* Your landlord may have your building covered, but not what you have inside of it.
Personal Umbrella Insurance
If your lifestyle exposes you to more risk (you own a dog, you’re a hunter etc.), personal umbrella insurance can provide extra liability coverage. That way, if you’re sued for millions, you won’t have to pay it all out of pocket.