WHAT DOES RENTERS INSURANCE COVER? - Scott Lynch Agency Skip to main content


You may think that your personal assets aren’t worth much, but without renters insurance, you could be paying big time in the event of a loss.

Renters insurance is for you if you are renting.

It’s likely that your landlord’s insurance policy will cover the building/home that you are living in, but their policy will not protect your personal possessions or protect you from liability.


Renters Personal Property Coverage
Renters insurance will help you pay for repairs or replace your possessions after things like theft, water damage, fire, smoke and windstorms. Renters insurance extends beyond your home — your items don’t need to be in your home at the time they are damaged or stolen to be protected — whether your luggage is stolen while on vacation, or your laptop gets damaged at the cafe, you’ll be covered.

Renters Personal Liability Protection
What if a guest slips and falls while visiting you in your rental property, if you get sued or there is property damage to your rental? A renters policy can assist with liability protection to help cover the legal costs or related damages and accidental bodily injury or property damage to others.

Medical Payments Coverage
When a covered accident on your rental property involves bodily injury to others, renters insurance can help with the associated costs.

Additional Living Expenses
Renters insurance helps you pay for additional living expenses if you can’t stay in your rental. It
can also help cover the cost of other additional living expenses such as meals and laundry.

Contents Replacement Cost
If your personal property becomes damaged and needs to be replaced, renters insurance will
help cover the cost to replace the property with a similar type.

Let us help you with your Renters’ Insurance. Getting a quote is easy, visit HERE

Renting a home or an apartment – we can help

1 https://www.policygenius.com/renters-insurance/who-needs-renters-insurance/
2 https://www.insurance.com/average-renters-insurance-rates
3 https://www.policygenius.com/renters-insurance/renters-insurance-calculator/

The Scott Lynch Agency makes no representations or guarantee as to the correctness or sufficiency of any information contained herein, nor guarantees results based upon use of this information. The Scott Lynch Agency does not warrant that reliance upon this document will prevent accident and losses, or satisfy federal, state or local codes, ordinances and regulations. The reader assumes entire risk as to use of this information.