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What kind of property are you leasing?
Average Cost of Renters Insurance
Renters coverage costs less than you might think. Based on the National Association of Insurance Commissioners (NAIC) survey, renters insurance runs about $15 a month for approximately $35,000 in coverage limits. Thatâs solid coverage for less than the cost of a few cups of coffee a week.
Liability
Liability is for your protection. This means youâre covered if someone hurts themselves at your home or thereâs property damage subject to policy provisions. Renters insurance may also pay for legal fees and medical expenses.
Want to ensure your cat or dog is insured? You could add pet medical insurance.
Loss of Use
Need a temporary place to dwell? This coverage provides payment for additional living expenses when your home is uninhabitable because of a covered loss. This coverage applies for the shortest time required to repair or replace the premises, or for your household to settle elsewhere, up to 24 months.
Inflation Coverage
Covered even when things change.
As the cost of living rises, your renters insurance will, too. Inflation coverage ensures youâre protected at the same levels year after year.
Personal Property Coverage
Personal Property covers your things.
What is it?Personal property coverage gives you protection from accidents related to fire, smoke, covered water, wind, theft or vandalism â among other things.
How much do I need?Performing a home inventory is a good way to determine how much property coverage you need. Follow this step-by-step checklist to inventory your personal property:
- List each item, when you acquired it, and the purchase or current value.
- Total the amounts of these items for a rough idea of what your property is worth.
- Consider adding photos to your inventory â it could help if you have a claim.
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