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Compare Renters Insurance Coverages

Having renters insurance helps protect all the things you work so hard for. Check out our renters insurance comparison chart and find out which renters package will best protect you and your stuff.

Coverage

  • COVERAGE FOR YOUR THINGS

    Personal Property — Coverage C
    Whether in your apartment or on the go, personal property coverage covers your belongings from sudden and accidental damage or theft.
  • COVERAGE FOR LIVING EXPENSES

    Loss of Use — Coverage D
    If your rental becomes uninhabitable due to an unexpected event, like a fire or storm damage, this coverage will help you pay for additional living expenses, such as a hotel and food.
  • COVERAGE WHEN ACCIDENTS HAPPEN

    Personal Liability — Coverage E
    Protects you against financial loss if you’re sued and found legally responsible for someone else’s injury or property damage.
  • COVERAGE FOR MEDICAL EXPENSES

    Medical Expenses — Coverage F
    Covers medical payments to others, injured on or off your property, regardless of your legal responsibility.
  • Jewelry, Gemstones, Watches and Furs Coverage
    If the total value of these items is more than the limit in your policy, you can add additional coverage by increasing your total coverage limit or itemizing specific items. You’ll also have coverage for a broader range of events.
  • Identity Fraud Expense Coverage
    Helps protect you from the high costs related to restoring your identity.
  • Personal Injury Coverage
    Helps cover you for legal costs if you're sued for things like libel and/or slander; false arrest, detention or imprisonment; malicious prosecution; wrongful eviction or wrongful entry.
  • Electrical Appliance Coverage
    Offers protection should your appliances, home systems or smart home devices be damaged due to mechanical, electrical or pressure systems breakdown. A $500 deductible will apply instead of your homeowners policy deductible.
  • Example
    COVERAGE FOR YOUR THINGS

    Personal Property — Coverage C
    Whether in your apartment or on the go, personal property coverage covers your belongings from sudden and accidental damage or theft.
    Your laptop was stolen while you were at a coffee shop. Even on the go your renters insurance follows you and will help cover the cost to replace your laptop.
    COVERAGE FOR LIVING EXPENSES

    Loss of Use — Coverage D
    If your rental becomes uninhabitable due to an unexpected event, like a fire or storm damage, this coverage will help you pay for additional living expenses, such as a hotel and food.
    Your apartment caught fire and you need a place to stay while damages are repaired. Your loss of use coverage will help cover the cost of a hotel and food until you’re allowed back into your place.
    COVERAGE WHEN ACCIDENTS HAPPEN

    Personal Liability — Coverage E
    Protects you against financial loss if you’re sued and found legally responsible for someone else’s injury or property damage.
    A guest slips and falls on your freshly mopped floor and end up breaking their wrist. Your liability coverage will help cover their medical bills and potential legal expenses.
    COVERAGE FOR MEDICAL EXPENSES

    Medical Expenses — Coverage F
    Covers medical payments to others, injured on or off your property, regardless of your legal responsibility.
    An elderly guest fell when your dog greeted them. The guest broke several bones, which required significant surgeries. Your medical expense coverage will help cover some of the cost of their medical expenses.
    Jewelry, Gemstones, Watches and Furs Coverage
    If the total value of these items is more than the limit in your policy, you can add additional coverage by increasing your total coverage limit or itemizing specific items. You’ll also have coverage for a broader range of events.
    You lost your engagement ring when you went swimming. Thankfully, because you added jewelry, gemstones, watches and furs coverage, your policy covers the loss and offers a higher coverage amount to help replace the ring.
    Identity Fraud Expense Coverage
    Helps protect you from the high costs related to restoring your identity.
    You find out that someone has been using your information to open credit card accounts. Your identity fraud expense coverage means you’ll have someone assigned to you to work through the mess and help you get your life back to normal.
    Personal Injury Coverage
    Helps cover you for legal costs if you're sued for things like libel and/or slander; false arrest, detention or imprisonment; malicious prosecution; wrongful eviction or wrongful entry.
    You post a comment about someone on social media and are sued for slander. Your personal injury coverage helps cover defense costs and a settlement fee instead of paying out of your own pocket.
    Electrical Appliance Coverage
    Offers protection should your appliances, home systems or smart home devices be damaged due to mechanical, electrical or pressure systems breakdown. A $500 deductible will apply instead of your homeowners policy deductible.
    A sudden electrical breakdown caused damage to your big screen TV. Your electrical appliance coverage can help you pay for the resulting repair or replacement costs.
  • Economy Protection
    (Good)
    COVERAGE FOR YOUR THINGS

    Personal Property — Coverage C
    Whether in your apartment or on the go, personal property coverage covers your belongings from sudden and accidental damage or theft.
    $15,000 with option to increase ACV for Personal Property.
    COVERAGE FOR LIVING EXPENSES

    Loss of Use — Coverage D
    If your rental becomes uninhabitable due to an unexpected event, like a fire or storm damage, this coverage will help you pay for additional living expenses, such as a hotel and food.
    30% of Coverage C
    COVERAGE WHEN ACCIDENTS HAPPEN

    Personal Liability — Coverage E
    Protects you against financial loss if you’re sued and found legally responsible for someone else’s injury or property damage.
    $300,000 per occurrence
    COVERAGE FOR MEDICAL EXPENSES

    Medical Expenses — Coverage F
    Covers medical payments to others, injured on or off your property, regardless of your legal responsibility.
    $5,000 per person, option to increase
    Jewelry, Gemstones, Watches and Furs Coverage
    If the total value of these items is more than the limit in your policy, you can add additional coverage by increasing your total coverage limit or itemizing specific items. You’ll also have coverage for a broader range of events.
    Identity Fraud Expense Coverage
    Helps protect you from the high costs related to restoring your identity.
    Personal Injury Coverage
    Helps cover you for legal costs if you're sued for things like libel and/or slander; false arrest, detention or imprisonment; malicious prosecution; wrongful eviction or wrongful entry.
    Electrical Appliance Coverage
    Offers protection should your appliances, home systems or smart home devices be damaged due to mechanical, electrical or pressure systems breakdown. A $500 deductible will apply instead of your homeowners policy deductible.
  • Traditional Protection
    (Better)
    COVERAGE FOR YOUR THINGS

    Personal Property — Coverage C
    Whether in your apartment or on the go, personal property coverage covers your belongings from sudden and accidental damage or theft.
    $25,000 with option to increase RCV via personal property replacement cost endorsement
    COVERAGE FOR LIVING EXPENSES

    Loss of Use — Coverage D
    If your rental becomes uninhabitable due to an unexpected event, like a fire or storm damage, this coverage will help you pay for additional living expenses, such as a hotel and food.
    30% of Coverage C
    COVERAGE WHEN ACCIDENTS HAPPEN

    Personal Liability — Coverage E
    Protects you against financial loss if you’re sued and found legally responsible for someone else’s injury or property damage.
    $300,000 per occurrence (qualifies for umbrella)
    COVERAGE FOR MEDICAL EXPENSES

    Medical Expenses — Coverage F
    Covers medical payments to others, injured on or off your property, regardless of your legal responsibility.
    $5,000 per person, option to increase
    Jewelry, Gemstones, Watches and Furs Coverage
    If the total value of these items is more than the limit in your policy, you can add additional coverage by increasing your total coverage limit or itemizing specific items. You’ll also have coverage for a broader range of events.
    $2,000/$2,500 (per item/aggregate)
    Identity Fraud Expense Coverage
    Helps protect you from the high costs related to restoring your identity.
    Personal Injury Coverage
    Helps cover you for legal costs if you're sued for things like libel and/or slander; false arrest, detention or imprisonment; malicious prosecution; wrongful eviction or wrongful entry.
    Electrical Appliance Coverage
    Offers protection should your appliances, home systems or smart home devices be damaged due to mechanical, electrical or pressure systems breakdown. A $500 deductible will apply instead of your homeowners policy deductible.
  • Premier Protection
    (Best)
    COVERAGE FOR YOUR THINGS

    Personal Property — Coverage C
    Whether in your apartment or on the go, personal property coverage covers your belongings from sudden and accidental damage or theft.
    $50,000 with option to increase RCV via personal property replacement cost endorsement.
    COVERAGE FOR LIVING EXPENSES

    Loss of Use — Coverage D
    If your rental becomes uninhabitable due to an unexpected event, like a fire or storm damage, this coverage will help you pay for additional living expenses, such as a hotel and food.
    40% of Coverage C
    COVERAGE WHEN ACCIDENTS HAPPEN

    Personal Liability — Coverage E
    Protects you against financial loss if you’re sued and found legally responsible for someone else’s injury or property damage.
    $500,000 per occurrence (qualifies for umbrella)
    COVERAGE FOR MEDICAL EXPENSES

    Medical Expenses — Coverage F
    Covers medical payments to others, injured on or off your property, regardless of your legal responsibility.
    $10,000 per person, option to increase
    Jewelry, Gemstones, Watches and Furs Coverage
    If the total value of these items is more than the limit in your policy, you can add additional coverage by increasing your total coverage limit or itemizing specific items. You’ll also have coverage for a broader range of events.
    $2,000/$5,000 (per item/aggregate)
    Identity Fraud Expense Coverage
    Helps protect you from the high costs related to restoring your identity.
    Personal Injury Coverage
    Helps cover you for legal costs if you're sued for things like libel and/or slander; false arrest, detention or imprisonment; malicious prosecution; wrongful eviction or wrongful entry.
    Electrical Appliance Coverage
    Offers protection should your appliances, home systems or smart home devices be damaged due to mechanical, electrical or pressure systems breakdown. A $500 deductible will apply instead of your homeowners policy deductible.

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