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When it comes to protecting your stuff, coverage is dependable and costs less than what you may think. If there's a fire or theft, your landlord's insurance policy may not cover your possessions, and the cost of peace of mind can be had for less than your morning latte a day. Some coverage is typical and some are add-ons. Standard renters insurance includes:
Personal property coverage Covers your personal belongings if they're stolen or destroyed by a fire, theft or other covered peril. It includes things like clothing, furniture, your laptop and other electronics—though you may want to opt for scheduled personal property coverage for especially expensive items and collections.
Scheduled personal property If something happens to your high-priced belongings, this covers them beyond the limits of what your personal property coverage will pay. You can add it to your policy to help cover an expensive piece of jewelry, your collection of audio equipment or other pricey items you own.
Reimbursed living expenses Helps pay for your increased living costs if a covered loss makes your home uninhabitable. That typically includes things like food and a temporary place to live.
Liability coverage Covers legal expenses, medical bills and other damages if someone gets injured at your place and sues you.
Guest medical coverage Covers reasonable and necessary medical expenses, like the cost of x-rays or an ambulance, if a person injures him- or herself in or around your place.
Identity restoration coverage If you become a victim of full-blown identity theft, it can be hard to pick up the pieces. If you add identity restoration coverage to your renters policy, you'll have a fraud specialist to help.
Protect your space
And cover what you care about