Your belongings
Personal property coverage pays for covered damage to or theft of your belongings, at home and often away from it, up to your limit and after the deductible.
Personal · Renters · WA · ID · OR · AZ
Renters Insurance
For people renting a house, apartment or room. Your landlord's insurance covers their building and their liability, not your belongings or your own liability.
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What to review
The questions that matter
Personal liability
Responds to covered claims that you injured someone or damaged their property, including some accidental damage to the rental itself, and usually includes your defense.
Additional living expenses
If a covered loss makes your rental unlivable, loss of use can pay the extra cost of living somewhere else, up to its limit.
What's commonly excluded
Flood and earthquake are generally excluded, as are gradual damage, pests and wear and tear. Roommates aren't automatically insured under your policy.
Illustrative example
a burst pipe upstairs
A pipe bursts in the unit above, and water ruins your laptop and furniture. Your renters policy can pay to replace your belongings, subject to the deductible and its terms; the landlord's policy covers repairs to the building. If you have to move out during repairs, loss of use can cover the extra cost. A real claim depends on the facts and the policy.
What to prepare
- Rental address and type of home
- Rough value of your belongings, and any high-value items
- Your lease's insurance requirements (minimum liability, interested party)
- Pets in the home
- Your current policy, if you have one
Questions people ask
Quick answers
- No. It covers the landlord's building and liability. Your belongings and your own liability need a policy of your own.
- Usually not, unless they're a relative living with you or named on the policy. Most roommates need their own.
- Not by law, but many leases require it.
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