Homeowners Insurance Homeowners
People who own the home they live in · Owners of a second or vacation home
Coverage for primary homes, secondary homes, seasonal homes, condos, and rental properties.
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Personal Lines
Renters Insurance
Coverage for personal property and liability for renters.
If you rent, your landlord’s insurance covers the building — not your sofa, laptop, or a lawsuit if a guest is hurt in your apartment. Renters insurance is the policy that covers you.
How it works
Renters insurance is often inexpensive compared with the cost of replacing everything you own. It typically covers personal property against fire, theft, and certain other named events, and it includes personal liability. Many policies also pay extra living expenses if a covered loss makes the unit unlivable. Landlords almost never pay to replace a tenant’s belongings. Some leases now require proof of renters coverage before you move in.
Who this is for
- Apartment and house renters
- Students living off campus
- Anyone whose lease requires proof of insurance
- Roommates who want their own belongings protected
What it typically covers
- Your personal belongings, not the building
- Liability if someone is injured in the rented home and you are responsible
- Additional living expenses after a covered loss
- Theft of belongings from the unit, subject to the policy
A simple example
A pipe bursts two floors up and ruins your furniture and clothes. The building policy may repair the walls. Your renters policy is what helps replace the items that were yours.
Good to know
- High-value jewelry, art, or electronics may need a scheduled endorsement.
- This is not a substitute for flood coverage if the unit is in a flood-prone area.
Coverage, eligibility, and terms vary by location and underwriting.
Guides
Read this before you quote or apply.
Guide
What to review before a homeowners insurance renewal
Rebuild cost, roof, water, deductibles, and the flood gap that a standard HO-3 never fills.
Read guide