Renters Insurance
Personal property, liability, and additional living expense for tenants, typically $15–$25 per month.
Who Needs It
- Apartment and house renters
- Students and roommates
- Tenants whose landlord requires it
What It Covers
- Personal property against theft, fire, water damage
- Personal liability if a guest is injured
- Additional living expense if the unit is uninhabitable
- Off-premises theft
What It Does Not Cover
- The building (landlord's policy)
- Flood
- Roommates' belongings unless listed
- High-value jewelry above the sublimit
Texas Notes
Many Texas landlords now require renters coverage in the lease; it is inexpensive and often binds same day.
Florida Notes
Florida landlords increasingly require it; hurricane ALE coverage matters for coastal renters.
Renters Insurance Questions We Hear Most
Does my landlord's insurance cover my stuff?
No. The landlord's policy covers the building only.
How much do I need?
Inventory your belongings; most renters underestimate. $20K–$40K contents and $100K–$300K liability is typical.
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