Renters insurance

If you rent, your landlord’s policy covers the building — not your stuff or most liability from your unit. Renters insurance (often an HO-4 style form) is built for tenants, students, and anyone leasing an apartment or house.

What it often covers

• Personal property — furniture, clothes, electronics — for covered perils, within limits
• Personal liability if someone is hurt in your rented space or you cause certain damage
• Additional living expenses if a covered loss makes the unit unlivable
• Optional higher limits for valuables when you schedule them

Who it’s for

College apartments near campus, Gulf Coast rentals, Lexington loft living, and military or travel-nurse leases — anyone who doesn’t own the walls but still has belongings and liability exposure. Many leases require proof of renters insurance.

What to ask an agent

• Rough inventory value and any high-ticket items
• Roommate situations (whose name is on the policy)
• Landlord-required liability limits

Also see our home, condo & landlord page, landlord / rental properties (for owners), vacant property (empty dwellings), and flood insurance — flood is usually separate even for renters’ contents in some situations.

Educational only — not a quote, coverage guarantee, or legal advice. Availability varies by ZIP, carrier, and underwriting. Talk with a licensed Asshield agent for options that fit.

Explore more: Specialty hub · All coverage · Home & property hub