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Renters Insurance

A lot of renters think they don't need or can’t afford insurance. The truth is, it’s probably more affordable than you think and it’s cheaper than replacing your belongings in case of a loss. Things like fire, burglary, theft, storms and water damage happen, and your landlord’s insurance policy won’t protect you. That’s where we come in.

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Renters Insurance Coverage

Homesite renters insurance policies include protection for your personal property and liability. Here's what's usually covered in a standard renters policy:

Available Coverage C (Personal Property)

$15,000 - $100,000

Available Personal Liability Limits

$100,000, $300,000, or $500,000

Money, Etc.


Available Deductibles

$250 - $2,500

Medical Payments

$1,000, $3,000, or $5,000

Theft of Firearms

$2,000 to $2,500

Additional Living Expenses

20% of Personal Property Coverage

Important Papers

$1,000 to $1,500

Theft of Jewelry, Furs, Watches

$1,000 to $1,500

If you need a little extra protection, we can help with that too. Here are just a few optional coverages that are available for purchase:

Replacement Cost on Personal Property

When you purchase this endorsement, you can replace stolen or destroyed personal property with items of like kind and quality without deduction for depreciation.

Identity Theft

Recovering from identity theft can be time-consuming and costly. In the event your identity is stolen, this endorsement covers up to $15,000 of expenses you incur as a direct result of identity theft. This coverage is only subject to a deductible ranging from $250-$500.

Personal Injury

With this endorsement, you can extend the limit of Personal Liability on your renters policy to cover you against libel, slander, and invasion of privacy.

Increased Limits on Business Property

For an additional premium, this endorsement increases your coverage for "business" property on and off the "residence premises."

Special Computer Coverage

We know your computers are important, that's why we offer this endorsement. It broadens the coverage for your computer due to direct physical loss. For example, if you accidentally spill a glass of water on the computer, the resulting damage would be covered.


You may add this endorsement to cover your property against loss caused by an earthquake. This coverage is subject to a separate deductible. In California, this coverage is offered through the California Earthquake Authority (CEA).

Increased Limits on Personal Property

This endorsement offers you the ability to increase certain personal property coverages from the standard renters limit. For example, the base renters policy covers the theft of valuable silverware up to $2,500. With this endorsement you can choose to increase that coverage to $10,000.

Scheduled Personal Property

This endorsement allows us to offer open perils coverage for your valuable items such as jewelry, furs, cameras, musical instruments, silverware, fine arts, and golfer's equipment. Losses on scheduled items are not subject to a deductible and these items would be covered up to their insured value.

Renters Policies Protections

Standard renters insurance policies include protection for your personal property and liability. Our policies are also customizable to fit your unique needs and budget. Here's what’s usually covered in a standard policy:

Personal Possessions

Personal Possessions (Coverage C) covers damage, destruction or theft of your personal property. Personal property includes items like clothing, appliances and furniture. There are special limits for certain items including (but not limited to) money, jewelry and silverware. If you have items valued above these special limits, such as an engagement ring, consider additional coverage specifically for these items.

Temporary Housing Expenses

Temporary Housing Expenses also known as Loss of Use or Coverage D, this coverage reimburses you for living expenses that exceed your normal living costs if you cannot live in your home due to a covered loss. These additional costs may include hotel stays, additional food preparation costs and other expenses that exceed what you would normally spend if you remained in your home.

Medical Liability Coverage

Medical Liability Coverage, also known as Medical Payments to Others or Coverage F, pays for medical bills when someone is injured by you personally, or on your property. Reasonable medical expenses are covered, regardless of fault, up to the amount of coverage you select.

Personal Liability

Personal Liability or Coverage E pays for loss settlement and legal fees in the event that you or your family members cause bodily injury and/or property damage to others. For example, if you accidentally bump into someone at a grocery store who falls and then sues you, they might sue for their injury, their lost wages and other damages. Your Personal Liability coverage would indemnify you up to your coverage limit if you are found liable.

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