{"id":352607,"date":"2017-05-31T17:39:26","date_gmt":"2017-05-31T22:39:26","guid":{"rendered":"https:\/\/ability-fl-prod.internetbrands.com\/ability-law\/consumer\/insurance\/renters-insurance.html"},"modified":"2024-01-30T14:44:24","modified_gmt":"2024-01-30T19:44:24","slug":"renters-insurance","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/consumer\/insurance\/renters-insurance.html","title":{"rendered":"Renters Insurance"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Renters Insurance<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/oni-harton-j-d\/\">Oni Harton, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/melissa-bender-esq\/\">Melissa Bender, Esq.<\/a>\n                | Last updated\n        <time>\n                            January 30, 2024\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>As a renter, knowing that you can call the landlord when things break is comforting. Or you can contact them if you have trouble with neighbors. Renting has its perks. This is one reason many renters don&#8217;t buy&nbsp;<a href=\"https:\/\/www.findlaw.com\/realestate\/landlord-tenant-law\/renter-s-insurance.html\">renter&#8217;s insurance<\/a>&nbsp;coverage. Renter&#8217;s insurance is not legally required. But it&#8217;s a good idea to consider buying coverage.<\/p>\r\n<p>Renters sometimes face unexpected events in their rental property. These events can include:<\/p>\r\n<ul>\r\n<li>Theft<\/li>\r\n<li>Negligent destruction of the tenant&#8217;s property<\/li>\r\n<li>Injuries<\/li>\r\n<li>Natural disasters<\/li>\r\n<li>Vandalism<\/li>\r\n<li>Water damage<\/li>\r\n<\/ul>\r\n<p>Your landlord&#8217;s insurance only covers a renter&#8217;s property losses if they result from the landlord&#8217;s negligence. The renter needs personal liability coverage for themselves.<\/p>\r\n<p>The article below explains the benefits of renter&#8217;s insurance and the obligations of your insurance company.<\/p>\r\n<h2>Insurance Policies<\/h2>\r\n<p>It&#8217;s common for homeowners to have homeowners insurance. Most homeowners buy homeowners insurance. Home insurance protects:<\/p>\r\n<ul>\r\n<li>The homeowner&#8217;s house<\/li>\r\n<li>The homeowner&#8217;s possessions<\/li>\r\n<li>People who get injured while visiting the homeowner<\/li>\r\n<\/ul>\r\n<p>The same is not true for renters. A much lower percentage of renters have similar insurance despite their similar risks. Your landlord&#8217;s&nbsp;<a href=\"https:\/\/www.findlaw.com\/realestate\/owning-a-home\/insuring-your-home.html\">insurance<\/a>&nbsp;will cover damage to the building. But it won&#8217;t cover your possessions or liability. You must have renter&#8217;s insurance if something happens and you want to protect your property.<\/p>\r\n<h2>Am I Required to Have Renter&#8217;s Insurance?<\/h2>\r\n<p>Unlike car insurance or other types of liability insurance, you are not legally required to have renter&#8217;s insurance. But, some&nbsp;<a href=\"https:\/\/www.findlaw.com\/realestate\/landlord-tenant-law.html\">landlords<\/a>&nbsp;may only agree to a&nbsp;<a href=\"https:\/\/www.findlaw.com\/realestate\/landlord-tenant-law\/rental-lease-agreements.html\">rental agreement<\/a>&nbsp;if you get renter&#8217;s insurance.<\/p>\r\n<p>A landlord&#8217;s insurance does not cover a renter&#8217;s personal belongings. A renter&#8217;s personal property is not always covered if something happens at the rental. Even if you don&#8217;t have to have coverage, buying at least a basic policy is a good idea.<\/p>\r\n<h2>What Types of Property Does Rental Insurance Cover?<\/h2>\r\n<p>Renter&#8217;s insurance policies can cover rental properties where renters live, such as:<\/p>\r\n<ul>\r\n<li>A rental home<\/li>\r\n<li>A condominium<\/li>\r\n<li>An apartment<\/li>\r\n<\/ul>\r\n<p>Renters&#8217; insurance can also cover rentals such as storage units. People store a variety of possessions in storage units. This includes items like:<\/p>\r\n<ul>\r\n<li>Furniture<\/li>\r\n<li>Books<\/li>\r\n<li>Clothing<\/li>\r\n<li>Collectibles<\/li>\r\n<\/ul>\r\n<p>Many storage facilities need renters to get property insurance to cover their belongings in case of theft, fire, flood, or pest damage.<\/p>\r\n<h2>How Much is Rental Insurance?<\/h2>\r\n<p>Getting a renter&#8217;s insurance quote from a licensed insurance agent is the only way to know how much it will cost for renter&#8217;s insurance. Each case is different. But getting as much renter&#8217;s insurance as you need is wise.<\/p>\r\n<p>Renter&#8217;s insurance is cheap compared with other types of insurance. Affordable renter&#8217;s insurance is readily available. The best renter&#8217;s insurance policy is the one that covers all your needs at a price that fits your budget.<\/p>\r\n<h2>What Does Renter&#8217;s Insurance Cover?<\/h2>\r\n<p>Renter&#8217;s insurance will need you to pay regular premiums like life insurance and auto insurance \u2014 or other&nbsp;<a href=\"https:\/\/www.findlaw.com\/hirealawyer\/choosing-the-right-lawyer\/insurance-law.html\">types of insurance<\/a>. This is the case for any kind of coverage.<\/p>\r\n<p>An experienced insurance agent can explain the following:<\/p>\r\n<ul>\r\n<li>Coverage options<\/li>\r\n<li>Coverage limits<\/li>\r\n<li>Covered losses<\/li>\r\n<li>A&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/insurance\/what-is-an-insurance-deductible.html\">deductible<\/a><\/li>\r\n<li>Policy limits<\/li>\r\n<li>Insurance rates<\/li>\r\n<li>Optional coverages<\/li>\r\n<li>Multi-policy discounts<\/li>\r\n<\/ul>\r\n<p>Three primary areas of coverage in a renter&#8217;s insurance policy include:<\/p>\r\n<ul>\r\n<li>Premises liability<\/li>\r\n<li>Personal possessions<\/li>\r\n<li>Cost of temporary accommodations<\/li>\r\n<\/ul>\r\n<h3>Premises liability<\/h3>\r\n<p>This protects you from personal liability if&nbsp;<a href=\"https:\/\/www.findlaw.com\/realestate\/owning-a-home\/property-owners-legal-duty-to-prevent-injury.html\">someone gets hurt on the property<\/a>&nbsp;because of your negligence. The injured person can file a claim with your insurance company or sue you directly. The injured person may seek medical payments for medical expenses, including medical bills or other damages.<\/p>\r\n<h3>Personal possessions<\/h3>\r\n<p>This personal property coverage covers your belongings. For example, your personal property may get stolen in a burglary. Or they can get damaged by fire and certain kinds of water damage (such as a leaky pipe).<\/p>\r\n<h3>Cost of temporary accommodations<\/h3>\r\n<p>Living expenses coverage protects you if your&nbsp;<a href=\"https:\/\/www.findlaw.com\/realestate\/landlord-tenant-law\/what-is-the-implied-warranty-of-habitability.html\">home becomes uninhabitable<\/a>. If the damage results from a covered type of damage, your insurance can help.<\/p>\r\n<p>Your coverage can cover the cost of living elsewhere if the unit becomes unlivable due to a covered peril, such as a fire. Your insurance can cover housing, food, and other care costs.<\/p>\r\n<p>Also, you can choose the amount of coverage you want based on several factors. Factors include:<\/p>\r\n<ul>\r\n<li>The value of your belongings<\/li>\r\n<li>The types of additional living expenses you have<\/li>\r\n<li>The condition of your house or apartment<\/li>\r\n<li>The frequency with which visitors enter your home<\/li>\r\n<\/ul>\r\n<p>There are limits to what the policy covers when you file an insurance claim.<\/p>\r\n<h2>What Are Typical Exclusions to Renter&#8217;s Insurance?<\/h2>\r\n<p>Renter&#8217;s insurance has its limits. Certain types of perils are specifically excluded from coverage. For example, unlike homeowner&#8217;s insurance, renter&#8217;s insurance doesn&#8217;t cover the building itself \u2013 your landlord should have insurance to cover that.<\/p>\r\n<p>Renter&#8217;s insurance will typically not include coverage for earthquakes and floods. It will generally not cover car thefts or home business expenses. But you can buy more coverage if you:<\/p>\r\n<ul>\r\n<li>Run a business out of your home<\/li>\r\n<li>Keep dangerous pets<\/li>\r\n<li>Are at risk for&nbsp;<a href=\"https:\/\/www.fema.gov\/national-flood-insurance-program\" target=\"_blank\" rel=\"noopener\">damage caused by floods<\/a>&nbsp;or earthquakes (purchasing flood insurance or earthquake insurance would address this risk)<\/li>\r\n<li>Seek coverage for certain items such as jewelry or a coin collection. You can add more coverage with scheduled personal property coverage for these items.<\/li>\r\n<\/ul>\r\n<p>Buying additional coverage can address the risks that apply to you.<\/p>\r\n<h2>Cancellation and Non-Renewal of Your Renter&#8217;s Insurance Policy<\/h2>\r\n<p>States&nbsp;<a href=\"https:\/\/www.findlaw.com\/realestate\/owning-a-home\/home-insurance-coverage-issues-in-depth.html\">set rules<\/a>&nbsp;for canceling or not renewing a given insurance policy. An insurance company can only cancel your policy if you stop paying your premiums. But, an insurance company can cancel your policy if you misrepresented or lied on your application.<\/p>\r\n<p>The insurance company can choose not to renew your policy. In cases of cancellation or non-renewal, the insurance company must give you proper notice according to state law before discontinuing your coverage.<\/p>\r\n<h2>Other Insurance Company Obligations<\/h2>\r\n<p>Each state regulates its insurance industry differently. Your renter&#8217;s insurance policy is a contract between you and the insurance company. You both have certain&nbsp;<a href=\"https:\/\/www.findlaw.com\/realestate\/owning-a-home\/payment-of-home-insurance-claims-and-good-faith.html\">rights and responsibilities<\/a>&nbsp;depending on the terms.<\/p>\r\n<p>The insurance company agrees to pay legitimate claims in exchange for paying your premiums and filing claims on time. Your insurer should pay up to the policy limit after you&#8217;ve paid any deductibles.<\/p>\r\n<p>Under your&nbsp;<a href=\"https:\/\/www.findlaw.com\/realestate\/owning-a-home\/what-does-a-home-insurance-policy-cover.html\">liability coverage<\/a>, your insurance company must provide your legal defense if someone sues you. They must pay for covered property damages, subject to your policy limits.<\/p>\r\n<p>If your insurer denies your claim, you can first appeal to the insurance company to have the company reconsider. If that doesn&#8217;t work, you have options.<\/p>\r\n<p>If your insurance company fails in its obligations, you may have grounds for a lawsuit. You may consider a claim for a&nbsp;<a href=\"https:\/\/www.findlaw.com\/smallbusiness\/business-contracts-forms\/breach-of-contract-and-lawsuits.html\">breach of contract<\/a>&nbsp;or&nbsp;<a href=\"https:\/\/www.findlaw.com\/hirealawyer\/choosing-the-right-lawyer\/what-is-bad-faith-insurance-law.html\">bad faith<\/a>. You can also request help from your state&#8217;s insurance&nbsp;<a href=\"https:\/\/www.findlaw.com\/realestate\/owning-a-home\/resources-state-insurance-organizations.html\">oversight organization<\/a>.<\/p>\r\n<h2>Get Help With Your Renter&#8217;s Insurance<\/h2>\r\n<p>Everyone hopes to avoid using their renter&#8217;s insurance. But you never know when your property or assets are at risk.<\/p>\r\n<p>Hopefully, you&#8217;ll never experience a denied claim or a canceled policy. But, if you have issues with your renter&#8217;s insurance, contact a&nbsp;<a href=\"https:\/\/lawyers.findlaw.com\/insurance-law\/-law?fli=dcta\" target=\"_blank\" rel=\"noopener\">local insurance attorney<\/a>. Choose an attorney with experience dealing with insurance companies and protecting the interests of renters like you.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" clip-path=\"url(#clip0_604_3418)\">\n 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12V0.999995H4.72003C4.2377 0.994543 3.76965 1.16359 3.40212 1.47599C3.0346 1.78839 2.79235 2.22309 2.72003 2.7L1.34003 11.7C1.29652 11.9866 1.31586 12.2793 1.39669 12.5577C1.47753 12.8362 1.61793 13.0937 1.80817 13.3125C1.99842 13.5313 2.23395 13.7061 2.49846 13.8248C2.76297 13.9435 3.05012 14.0033 3.34003 14H9.00003Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3423\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"\/>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n    <\/div>\n    <span class=\"was-this-helpful__taken-action fl-text-sm-bold\"><\/span>\n    <div class=\"was-this-helpful__feedback-container\">\n        <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n 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was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--understandable\"\n                        >Easy to understand<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--solved-problem\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Solved my problem\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--solved-problem\"\n                        >Solved my problem<\/label>\n                    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class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--dated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Out of date\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--dated\"\n                        >Out of date<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--negative-other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    <span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n\n\n    <\/div>\n    \n    <div class=\"fl-section-sidebar\">\n        <div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Consumer legal issues typically need an attorney&#8217;s support\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    You can hire an attorney to enforce your rights for safe products, fair transactions, and legal credit, banking and related financial matters\n\n                <\/li>\n                    <\/ul>\n                    <div class=\"fl-editors-summary-content-description\" data-testid=\"fl-editors-summary-content-description\">\n                <p>Legal cases for identity theft, scams, or the Equal Credit Opportunity Act can be complicated and slow. 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