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Renters Insurance Coverages

What are the standard renters insurance coverages?

Standard renters insurance coverages include personal property, loss of use , personal liability, and medical payments to others. These coverages offer protection for your personal belongings that are damaged from a covered loss and liability if you’re legally responsible for damages to someone’s property or their injuries, plus additional living expenses if you're forced to live elsewhere while your residence is being repaired or rebuilt. You can also purchase extra coverage in addition to your standard renters insurance policy such as personal injury and water backup coverage.

Learn more about what renters insurance covers and how renters insurance works.

Standard renters insurance coverages

Here are the basic coverages on a renters insurance policy:

Personal property

Loss of use

Personal liability

Medical payments

Optional renters insurance coverages

Water back-up

Personal injury

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