Tenant (renter’s) insurance protects you even though you do not own the building you live in. Your landlord’s policy covers the structure — not your belongings or your liability. For a modest cost, tenant insurance protects your possessions and shields you financially if you are held responsible for damage or injury.
What Tenant Insurance Covers
A standard tenant policy covers your personal belongings against losses like fire, theft, and water damage; your personal liability if someone is injured in your unit or you accidentally damage the property; and additional living expenses if you are temporarily displaced after a covered loss.
Who Needs It
Many landlords now require tenant insurance as a condition of the lease, and it is one of the most affordable ways to protect yourself. Pairing it with your auto policy also counts as a multi-line household, which can unlock a discount.
How a Broker Helps
NavInsurance finds tenant coverage that fits your belongings and budget, and bundles it with auto where it saves you money. See our home insurance page or get a free quote.