Renters insurance coverage that follows you

Do work and adventure keep you on the move? If so, you need renters insurance that travels with you, helping protect your dreams wherever life takes you.

You might already know that renters insurance protects your personal belongings and even helps out if you’re held liable for accidents on your rental property. But there’s a lot more to this affordable coverage than you may think.

Take a look at how renters insurance from American Family Insurance provides portable protection no matter how far from home you roam.

How renters insurance works

Just because you don’t own your living space doesn’t mean everything you own isn’t worth protecting — even when you’re on the go. The beauty of renters insurance is that it covers your personal property almost anywhere you travel. Whether walking to a convenience store, driving across town or flying to the other side of the country, your renters insurance acts as an invisible shield around you and your belongings. However, coverage limits apply, especially when traveling internationally, so it’s important to understand the specifics of your policy.

Where does renters insurance cover you?

Let’s address some common questions about renters insurance coverage:

What does renter’s insurance cover at the place I’m renting? Renters insurance helps protect your things from unexpected events like fire, theft and water damage. Plus, our liability and medical coverages assist with property damage, first aid, medical expenses and court costs. Your agent will help you choose coverage that makes sense for your belongings, lifestyle and budget.

Does renters insurance cover my personal property when I’m on the go? Imagine biking to your favorite coffee shop to get some work done and you momentarily leave your laptop unattended, only to find it’s been stolen. Fear not — your renters insurance has your back!

Does renters insurance cover personal property I bring along on my vacation? If someone breaks into your hotel room and steals your computer, camera or even money, renters insurance can help — up to the limits specified in your policy. Outside of the United States, you’re covered up to 10% of your policy limits.

Does renters insurance include liability coverage when I’m on the go, too? Liability insurance often protects you while you’re out and about, but there are limitations and exclusions, especially during travel or when doing specific types of activities. The best thing to do is speak to your agent to determine if you may need extra coverage.

What if I’m traveling overseas? Will renters insurance work like travel insurance? Renters insurance offers some coverage for personal property when traveling overseas, but it’s different from travel insurance and your belongings might not be fully covered if stolen, lost or broken.

Consider travel insurance for extended coverage options not included in your renters insurance, like trip cancellation fees, lost baggage expenses, meals and accommodations for a delayed trip, trip reimbursement and even medical coverage.

Don't forget! All renters coverages apply once you've met your deductible (the amount you pay before your insurance kicks in).

Understanding your coverage limits

Every renters insurance policy has coverage limits — the maximum amounts paid for personal property or liability losses. How can you find out what your coverage limits are? Simple — take a peek at your policy or call your American Family Insurance agent. They’ll help you set the right limits to help protect what matters most.

Your possessions make you uniquely you, and they’re worth protecting. Now that you know renters insurance helps protect you in more ways than one, what are you waiting for? Connect with your agent today to get customized renters insurance that works for you on the go.

This article is for informational purposes only and based on information that is widely available. This information does not, and is not intended to, constitute legal or financial advice. You should contact a professional for advice specific to your situation.

This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.