What Does Renters Insurance Cover?

What renters insurance covers include personal property, injury liability, damage liability, and pets. Natural disasters aren’t typically covered by renters insurance, which means earthquakes and floods will not be covered. You can purchase additional flood and earthquake insurance if you need it. Enter your ZIP code below to start shopping for renters insurance coverage online with free quotes.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 6, 2020

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Renters insurance is a special type of home insurance designed to protect the interests of someone who rents a home but does not own the dwelling itself. A common misconception is that renters insurance only provides personal property protection, when the policy actually includes coverage for damages and injuries as well as the well-known personal property coverage.

Personal Property

Renters insurance will repair or replace your personal property up to the limit stated in your policy. Be sure to set this limit high enough that you can replace everything you own after a catastrophe. Use a video recording of everything you own, from your appliances to your child’s zebra robot. Having a recording helps resolve property claims faster and gives the insurance company a visual reference of the quality and condition of the item.

Injury Liability

Injury liability pays the medical care for people outside your immediate family who are injured as a result of you, your immediate family, or your property. One example might be if your dog became too excited and accidentally bit the next door neighbor. Injury liability would pay for the medical care, and the policy would later protect you if the neighbor decided to take the case to court.

Damage Liability

Damage liability is similar to injury, except that it covers the property of other people instead of their physical beings. If your car jumped out of gear and rolled downhill to smash down your neighbor’s mailbox, the damage liability in your renters insurance would pay to repair or replace the mailbox. As long as the limits of the policy are high enough and you are able to make the deductible, the damage liability of your policy has this one covered.

Pets

Unless they are specifically mentioned in the policy, pets are typically considered personal property and included in the renter’s insurance coverage. If your dog damages your home or the property of someone else, the insurance will cover it. Coverage for some pets, including several breeds of dogs, may be expensive or even difficult to find. Read more about renters insurance for pet owners.

Acts of God Are Not Included

Very few policies will include major catastrophes that might be considered acts of God. Earthquakes and floods are never included in a standard home, renters or condo insurance policy, but flooding accounts for more individual losses than any other insurable peril. The problem is that flooding is an expense hit for insurance companies, and very few companies are willing or able to accept the increased risk.

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