Renters Insurance: Who is Covered?

Thinking about getting renters insurance for your new place? Smart move! Not only will it protect your possessions, but it helps protect the people you love as well!

Renters insurance works to protect your possessions and the people in your life, in a variety of situations. Let’s break down the specifics so you know how it all works.


Are kids covered under your renters insurance? You bet! Your policy can help provide financial protection against covered liability claims and lawsuits for accidental bodily injury or damage to property caused by your children. For example, if your child throws a baseball through a neighbor’s window, your liability coverage could help cover the costs of replacement.

Significant Other or Spouse

If you and your significant other live together — married or not — getting protection for the stuff you own together, along with liability coverage, is easy. Simply list both of your names on a policy, and your insurance can take it from there.

Students Away at School

If your child is away at school, some renters policies will cover their possessions while living both on campus or off campus. This type of coverage varies from company to company, so be sure to ask your agent to see if your policy qualifies.


If you have a renters policy, your roommates’ things are not automatically covered — unless they’re actually listed on the policy. However, it’s important to note that insurance laws vary by state, which means that some insurance companies can allow multiple roommates’ names to be listed on one insurance policy, and some don’t. There are some exceptions of course, so it’s always a good idea to talk with your agent to get all the rules on your specific policy.


What about the people who don’t live with you? Renters insurance has their back too! Should an accident occur in your home and one of your guests is injured, if you’re at fault, your liability coverage will kick in to help cover their costs.


Last but not least, let’s talk about your furry little friends. Most renters insurance policies cover your pets’ actions in their liability sections — say if your dog bites someone or a guest trips over him. Unfortunately, most renters policies don’t cover pets in their standard property coverages. However, most companies offer additional coverages that can be added on to your standard policy to cover things like veterinarian or burial costs for your pet.

Still have questions about the people or pets your renters policy might protect? It’s best to talk with your agent, who will happily explain just who is, and who isn’t, covered. Then rent with peace of mind knowing you’ve got protection on your side!

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Related Topics: Renters