What is covered by renter's insurance?

Renters insurance safeguards you and your belongings, even though landlords often require it. Here are the basic coverages included in your policy

• Personal Property: Protects your belongings from theft, fire, weather damage, and other covered losses.
  • Your landlord isn't responsible for your items, even if damage isn't your fault
  • Subject to your deductible (example: with $500 deductible, coverage begins after $500+ in damages)
  • No upfront deductible payment—it's simply deducted from your claim payout
• Liability: Covers accidental damage you cause to others or their property.
  • Pays up to your policy limit when you're legally responsible
  • This is the coverage your landlord primarily cares about
  • Protects you if you accidentally damage your unit or neighboring units
• Loss of Use: Pays for temporary housing and extra expenses if you can't live in your home due to a covered loss.
  • Your landlord isn't required to cover these additional expenses
  • Helps even when you might still be responsible for paying rent
  • Covers you until you can return home or find new housing
    
    

All coverage is subject to policy limits and exclusions. For claims questions call the Assurant Claims Department at: 800-432-8612.