Renters insurance helps protect your personal belongings from covered losses such as fire, theft, vandalism, windstorms, and certain types of water damage. It can also provide liability protection and help pay for temporary living expenses if your rental becomes uninhabitable due to a covered loss.

While renters insurance is not required by law, many landlords and property management companies require tenants to carry a policy as part of their lease agreement.

Most renters insurance policies cover personal property, personal liability, medical payments to others, and additional living expenses if you cannot live in your rental due to a covered claim.

Yes. Renters insurance typically covers theft of your personal belongings, whether the theft occurs inside your home or, in many cases, away from home.

It may cover certain types of sudden and accidental water damage, such as a burst pipe. However, flood damage is generally not covered and may require a separate flood insurance policy.

In many cases, yes. Personal property coverage often follows your belongings wherever they go, subject to policy terms and limitations.

Renters insurance typically includes personal liability coverage, which may help pay for legal expenses, settlements, or medical bills if you are found responsible for someone else's injury.

Renters insurance is often one of the most affordable types of insurance, with many policies costing less than a dollar a day depending on coverage amounts, location, and other factors.