Property
Total limit, valuation method, off-premises coverage, and category sublimits.
Field guide · 03
Renters insurance
Protect belongings, personal liability, and the cost of living elsewhere after a covered loss. Your landlord's policy usually protects the building, not your things.
Ask before you choose
Questions for the agent or insurer
- 01
Is personal property settled at replacement cost or actual cash value?
- 02
What are the sublimits for jewelry, electronics, bikes, or collectibles?
- 03
How much additional living expense is available, and for how long?
- 04
What personal liability and medical-payments limits apply?
- 05
Are roommates, home businesses, pets, storage units, and water backup handled as expected?
Apples to apples
Put these fields beside each other.
Liability
Personal liability limit and important exclusions.
Living expenses
Maximum amount, duration, and triggering conditions.
Deductible
What you pay for a covered property claim before the policy pays.
Primary sources