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What Does Renters Insurance Cover?

Renters Insurance, like Landlord Insurance, will usually have a deductible, but the coverage is different because it is intended to focus on the tenant with the following three main components:

Personal Property

Landlord insurance policies don’t usually take care of damage to a tenant’s personal property unless the landlord is deemed to be negligent. Renters Insurance will cover almost everything a tenant possesses including furniture, clothing, jewelry, and electronics in case of a burglary, fire, or severe weather.


The liability portion of a renters insurance policy will help cover the tenant’s responsibility for another person’injuries or financial losses in case the tenant caused an accident on the premises or to someone else’s property..

Living Expenses

If the dwelling unit should become uninhabitable due to damage from a severe weather event or fire, it’s common for hotel expenses or any additional living expenses to be covered.