What renters insurance covers

Renters insurance is cheap because it covers less than homeowners insurance, but what it does cover matters a lot.

By the InsuranU team Updated July 20264 min read

Renters insurance protects your belongings and your liability, not the building itself, which is your landlord's responsibility.

Personal property

Covers your furniture, electronics and belongings after a covered event like fire, theft or certain water damage, both inside your rental and often away from it.

Liability

Protects U if someone is injured in your rental or U accidentally damage someone else's property.

Loss of use

Pays for temporary living costs, like a hotel, if your rental becomes uninhabitable from a covered event.

What it does not cover

Damage to the building structure itself
Flood damage, without a separate policy
Your roommate's belongings, unless they are also named

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Keep going

More from the renters insurance checklist.

Guide

What loss of use covers

What happens if your rental becomes unlivable.

Read the guide

Guide

Replacement cost vs cash value

Two very different ways your payout gets calculated.

Read the guide

Cost guide

How much renters insurance costs

See the real ranges, with a live estimator.

Read the guide

Common questions

Does renters insurance cover my roommate's stuff?

Only if they are named on the policy. Otherwise they need their own coverage.

Does it cover the building if there is a fire?

No, that is your landlord's insurance. Yours covers your belongings and liability.

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