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Your landlord’s policy generally covers the building and landlord-owned property. It does not replace your furniture, clothing, electronics or other personal belongings.

A renters policy generally covers the named insured and eligible household members. Unrelated roommates typically need their own policies unless the carrier and policy specifically include them. Review who is insured before assuming everyone is covered.

Estimate the replacement cost of your belongings room by room. Review liability limits, deductibles and additional living expense limits. Jewelry, firearms, collectibles, cameras, money and business equipment may have special limits or need scheduled coverage. Ask whether belongings are covered at replacement cost or actual cash value.

Review the lease’s liability limit, proof-of-insurance deadline and property manager instructions, including any requested additional insured wording. Ask about pets, roommates and guests. We can help you review the policy against those requirements; coverage starts only when confirmed.

Standard renters policies do not cover outside flood water; flood coverage needs a separate review. Some sudden and accidental plumbing leaks may be covered, depending on the policy. Gradual leaks, maintenance issues and other exclusions still matter.

Ask us to compare available auto and renters options. Availability and any multi-policy discount vary by carrier and your circumstances. Review coverage and the overall price before deciding.

It generally helps protect personal belongings, personal liability and additional living expenses after a covered loss. Loss of use covers eligible costs above your normal living expenses, subject to limits and conditions. Coverage depends on the policy, covered cause of loss, limits, deductible and endorsements.

Damage to your vehicle belongs under auto coverage. Belongings stolen from a vehicle depend on the renters policy and type of property. Work-from-home equipment, tools or business inventory may need an endorsement or separate policy. Wear, pest damage, neglect, intentional damage and gradual problems are generally excluded.