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What does renters insurance cover?

Having the proper insurance to cover your assets is important. When you own a home, you get homeowners insurance that covers your home and your belongings inside the home. However, when you rent, you do not need coverage on the structure because you do not own it. That is why you would get renters insurance.

According to Allstate, renters insurance covers your belongings. Your landlord would get insurance on the structure. A renters policy will also provide liability coverage for you in the event someone is injured while at your home. Your policy may also offer coverage for expenses if you were to lose the ability to stay in your home due to a covered issue, such as a fire.

Renters insurance will typically protect you against theft, weather-related damage and fire. It protects just your property. It does not protect the actual house or apartment, which is up to your landlord. A policy will usually pay to replace or repair damaged items. It will also pay if you have costs associated with the damage, such as a hotel bill. Finally, if you damage someone else's property or someone gets hurt while at your home, the policy will pay for that.

Of course, as with any insurance, your coverage is outlined specifically in your policy. It may not cover certain things, such as flood damage. Some policies may require special coverage for expensive items, such as jewelry, electronics or firearms. You also are only paid up to your coverage limit, which is something you can choose when setting up your policy. This information is for education and is not legal advice.

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