Tenant insurance FAQ
Tenant insurance questions
Is tenant insurance the same as renters insurance?
Yes. Tenant insurance, renters insurance, and HO-4 are different names for the same type of policy for people who rent their home.
Doesn't my landlord's insurance cover my things?
Usually not. A landlord's policy typically covers the building and the landlord's own liability, not your belongings or your personal liability.
How much does tenant insurance cost?
Price depends on location, coverage limits, deductible, building type, claims history, and other factors. Many renters find a policy costs less per month than a streaming subscription or two, but your quote is what counts.
Where can I request a quote?
This site has state and city pages for Washington, Oregon, Idaho, Nevada, Arkansas, Arizona, South Dakota, Pennsylvania, Texas, and Indiana.
Is a quote the same as coverage?
No. A quote is not a binder. Coverage begins only when an insurer confirms it in writing on the terms of the policy it issues.
Does tenant insurance cover flood?
Standard renters policies exclude flood. Flood coverage for contents is available separately, including through the National Flood Insurance Program in participating communities.
Are my things covered away from home?
Usually yes. Personal property coverage typically applies to your belongings anywhere in the world, sometimes at a reduced limit for items kept in storage.
How soon will someone contact me?
We reach out as soon as possible after a complete request. It can take 1–2 business days.
Do I need to share my Social Security number?
No. Do not send Social Security numbers, bank details, or medical information through the website form.