Renters Insurance Damage Tips

As a renter, you might think you’re protected by your landlord’s policy. But renters insurance covers your personal property and liability—here’s how to make the most of it.

What Renters Insurance Covers

• Personal property loss (fire, theft, vandalism).
• Liability protection for guest injuries.
• Additional living expenses if displaced.

Choosing Coverage Amount

Inventory your belongings and estimate replacement cost. Aim for at least $20K+ property limit.

Minimize Premiums

• Use bundling discounts.
• Increase deductible.
• Maintain security measures.

Filing a Renters Claim

• Document damage with photos.
• Provide purchase records where possible.
• Keep detailed loss inventory.

Common Exclusions

Flood, earthquakes, and certain pet damages often excluded—purchase endorsements if needed.

Questions?