Renters, or contents, insurance is a type of home insurance policy for tenants that insures their personal belongings – whether they rent an apartment, townhouse, home, or condo.

When you rent the building is insured by the property owner, however, their insurance does not cover your personal property.

Your personal property consists of your belongings – including your furniture, appliances, electronics, dishware, and clothing. Many tenants mistakenly undervalue their belongings as replacing your possessions can add up to a significant amount of money.

A renters policy provides insurance – up to a specified dollar limit – to replace your personal belongings in the event of a covered loss, such as a fire or theft. Renters policies also automatically include coverage to pay extra expenses if you are temporarily displaced from your home due to a covered loss as well as liability protection in the event you are responsible for injuries suffered by a guest visiting your home.

You can also add a rider to a renters insurance policy to cover unique valuables such as collectibles, artwork, and jewelry.

Renters insurance is very affordable – in fact, by taking advantage of multi-policy discounts, you may even lower your overall insurance costs by purchasing renters insurance from the same company insuring your vehicle(s).

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