Renters Insurance
Renters insurance covers your belongings, personal liability if someone is injured in your home, and additional living expenses if the unit becomes uninhabitable. The building itself is the landlord's responsibility.
It is usually one of the least expensive policies available, and many leases now require it.
Availability
Hire Best Pros is not connecting people with renters insurance professionals yet. This page is here as background reading while we work on it. Everything we do cover today is listed in our service directory.
What people usually need
- Coverage required by a lease
- Protecting electronics, furniture and clothing
- Liability coverage for guests and pets
- Coverage for a student living away from home
- Scheduling high-value items such as jewelry
What to weigh before hiring
Replacement cost versus actual cash value
Replacement cost pays to replace items at today's prices. Actual cash value subtracts depreciation and pays less on older belongings.
High-value items need scheduling
Standard policies cap categories like jewelry and electronics. Listing an item separately raises that limit.
Water and flood exclusions
Flood damage is generally excluded and requires separate coverage. Read how the policy treats different water sources.
Common questions
- How much personal property coverage do I need?
- Walk through each room and total what it would cost to replace the contents. Most people underestimate clothing, kitchen items and electronics.
- Does it cover my roommate?
- Usually not unless they are named on the policy. Separate policies are typically cleaner.