Renters insurance is personal insurance designed for people who rent their home. Depending on the policy, it may include personal-property coverage, personal liability, medical payments, and additional living expenses.

Generally no. The landlord’s policy normally focuses on the building and other property the landlord owns. Your personal belongings generally require your own renters insurance.

Coverage may include qualifying personal-property losses, personal liability, medical payments, additional living expenses, and optional endorsements, subject to the issued policy.

Qualifying theft of insured personal property may be covered, subject to the deductible, policy terms, special limits, documentation requirements, and exclusions.

Qualifying damage to insured personal property from a covered fire or smoke event may be covered, subject to policy terms, limits, and deductibles.

Certain sudden and accidental water losses may be covered. Flood, repeated seepage, long-term leakage, sewer backup, and other water-related losses may be treated differently depending on the policy.

Flood caused by rising or overflowing water generally requires separate flood coverage. Availability, limits, and eligibility vary.

Standard renters insurance may exclude earthquake damage. Separate earthquake coverage or an endorsement may be available depending on the insurance company and state.

Personal liability is an important part of many renters policies and may help with qualifying claims involving bodily injury or property damage for which you are legally responsible.

Personal liability coverage may become relevant if a covered incident causes damage to another person’s property and you are legally responsible.

Personal liability or medical-payments coverage may become relevant depending on what happened, whether you are legally responsible, and the terms of the policy.

Additional living-expense coverage may help with qualifying temporary housing and increased living expenses when a covered loss makes the rental uninhabitable.

Consider what it would cost to replace your furniture, electronics, clothes, shoes, kitchen items, small appliances, bedding, decorations, sports equipment, and other belongings.

Replacement-cost coverage may help replace qualifying damaged or stolen property with new items of similar kind and quality, subject to policy terms and claim requirements.

Actual cash value may account for depreciation based on factors such as the age, condition, use, and remaining value of damaged property.

Not automatically. Unrelated roommates may need separate renters policies depending on policy definitions, relationship, occupancy, and insurance company eligibility.

Jewelry and other valuable property may be covered subject to special limits. Additional or scheduled coverage may be available for qualifying valuable items.

A personal laptop may qualify as insured personal property, subject to policy terms. Business equipment or equipment used for business may need additional review.

It can. Animal-related liability coverage, restrictions, exclusions, and eligibility vary by insurance company and state. Pets should be disclosed when requesting coverage.

Landlords may require renters insurance through the lease where permitted. Review your lease for liability limits and proof-of-insurance instructions.

A landlord or property manager may request interested-party status for certain policy notifications. This generally does not give the landlord ownership of your personal-property coverage.

Possibly. Some insurance companies offer multi-policy discounts or other benefits when eligible renters and auto insurance policies are written together.

Pricing may depend on location, personal-property limits, liability limits, deductible, claim history, building characteristics, pets, optional coverages, security features, and insurance company guidelines.