What it covers
- Your belongings. At home and away, for theft, fire, smoke and water damage.
- Liability. If you accidentally cause damage, such as a kitchen fire or an overflowing tub that leaks into the unit below, or if a guest is injured.
- Additional living expenses. A place to stay if your unit becomes unlivable after a covered loss.
Renting a basement apartment?
Basement units have more water risk. Ask about sewer backup coverage for your belongings, and keep valuables off the floor. Your landlord’s policy will not pay for your things.
Need proof for your lease?
Many landlords ask for proof of tenant insurance before you get the keys. Once you choose a policy, we send a confirmation you can forward to your landlord.
Common questions
Does my landlord’s insurance cover my belongings?
No. It covers the building and the landlord’s own liability. Your things and your liability need your own policy.
Do roommates share one policy?
Usually each roommate needs their own policy. Some insurers allow exceptions, so ask your agent.
Can I bundle tenant insurance with my car insurance?
Yes, and it is one of the easiest ways to lower your auto premium.