Renters Insurance Coverage
Build a custom renters insurance policy with standard and add-on coverages that fit your needs.
Standard Renters Insurance Policy
Our standard renters insurance protects you from covered losses associated with your personal property, personal liability exposure and additional living expenses.
What does renters insurance cover?
Renters Insurance Coverage Types
Our coverage protects you inside, outside and on the go.
Coverage for Your Things
Personal property coverage (Coverage C) helps replace or repair items such as clothing, jewelry, appliances, furniture and electronics.
Your apartment is broken into while you’re at work. Many of your valuables are stolen, including your new television. This portion of your renters insurance policy can help you replace them.
Coverage When Accidents Happen
Personal liability (Coverage E) and medical expense (Coverage F) provide financial protection for property damage, injury to others and may help pay related medical expenses.
You host a game night, and one of your guests slips and breaks their arm. These coverages may help provide you with protection from associated costs resulting from your guest’s injuries up to your policy’s limits.
Coverage for Living Expenses
Loss of use coverage (Coverage D) helps pay for expenses, such as hotel stays and food, should your home become unlivable.
You have a kitchen fire and need to move out while repairs are made. This portion of your renters insurance policy helps you pay for a hotel and other associated costs such as food, mileage and utilities up to your policy limits.
Renters Insurance Add-Ons
Want to protect something that’s not included in standard renters insurance? Customize your policy with optional coverages.
Renters Insurance Discounts
Looking to save some money on your renters insurance policy? Take advantage of the following discounts:
- Multi-product discount
- Loyalty discount
- Generational discount (not available in WA)
- Paperless discount
- AutoPay discount
- Customer full pay discount
How much renters insurance do you need?
You can estimate your coverage needs by adding how much it would cost to replace your belongings in the event of an accident. Make sure to include add-ons for your pet, high-value items and identity protection.
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* Your policy provides limited coverage when surface water comes into your home from a human-made source such as sprinkler systems, garden hoses and swimming pools. However, if the release of water from these sources doesn’t occur on your property, the resulting water damage is not covered. Your policy excludes water damage from all other sources when water comes into your home. Your policy excludes water damage due to sewer back-up, septic back-up and sump overflow unless special coverage is purchased for this type of loss. Please see your agent for details on this coverage.
** Equipment Breakdown coverage, otherwise known as Electrical Appliance coverage, only provides coverage for equipment that needs repairs or replacement due to sudden damage caused by a mechanical, electrical or pressure system breakdown. This coverage will pay for costs to repair or replace up to $100,000 once a $500 deductible has been met. Refer to the policy document for a detailed list of covered items.
*** Coverage provided by adding the Flash Flooding endorsement is optional.This endorsement does not satisfy mandatory flood insurance coverage should it be required by your federally regulated lender for your home mortgage or loan. This insurance product is not affiliated with the National Flood Insurance Program (NFIP). Some coverages or limits may not be available in your state. Refer to your policy documents for coverage limit details. Coverage applies after the property deductible has been met. Please speak with your agent to learn more about your coverage options.
† Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Companyd/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval,and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2021 American Modern Insurance Group, Inc.
‡ Travel Insurance is offered by International Medical Group and underwritten by Sirius Point; or offered and underwritten by Travel Guard Group, Inc. and not American Family Mutual Insurance Company, S.I. nor its subsidiaries or affiliates. Please talk with your agent about the options available. This article is for informational purposes only and includes information widely available through different sourcesSome coverages may not be available in your state. Available at mid-term renewal for some existing policyholders. Please speak with your agent to learn more about your coverage options