Tenant insurance guides
Short, practical explainers for renters.
What tenant insurance covers
The three core parts of a renters policy: your belongings, your liability, and extra living costs after a covered loss.
Choosing a personal property limit
How to estimate what your belongings would cost to replace and pick a limit that fits.
Liability coverage for renters
Why liability is often the most valuable part of a tenant policy and how much to carry.
Additional living expenses explained
How loss-of-use coverage helps if a covered loss forces you out of your rental.
Proof of insurance for your lease
What landlords usually ask for and how to list them on your policy.
Roommates and tenant insurance
Whether roommates can share a policy and why separate policies are often simpler.
Protecting jewelry and valuables
Theft sub-limits and how scheduling high-value items works.
Picking a renters deductible
How the deductible affects price and what most renters choose.
What tenant insurance costs
The factors that move a renters premium up or down, and practical ways to lower yours.
How to file a renters claim
What to do in the first 48 hours after a fire, theft, or water loss in your rental.