Your Stuff Is Worth Protecting

Covers your belongings — furniture, electronics, clothing, jewelry, and more — if they're stolen or damaged by fire, smoke, vandalism, windstorm, or other covered perils. You choose your coverage limit based on the total value of your possessions.

Standard policies pay actual cash value — what your items are worth today after depreciation. A 3-year-old laptop might only pay $200 even if a replacement costs $800. Replacement cost coverage pays what it costs to buy new. We recommend it for most renters.

If a guest is injured in your apartment or you accidentally damage a neighbor's property, liability coverage pays for medical bills, legal defense, and judgments. Standard limits are $100,000–$300,000. This coverage also follows you outside your home.

If your apartment becomes uninhabitable after a covered loss — fire, major water damage — ALE pays for hotel stays, restaurant meals, and other extra costs while you're displaced. This can be a lifesaver after a serious incident.

Pays medical bills for guests injured in your home — regardless of fault. Typically $1,000–$5,000. Helps resolve minor injuries quickly without involving liability claims.

Your renters policy often covers your belongings even when they're not at home — items stolen from your car, luggage lost while traveling, or a laptop stolen at a coffee shop. Check your policy limits for off-premises coverage.