Renters Insurance
Renting can be a test drive that allows you to try living on your own for the first time or explore a new city or neighborhood. If you ever face an unexpected detour on this journey (like a fire or tornado) consider how much it would cost to replace it all-- from dishes, appliances, and electronics, to clothes and other personal items. Renters Insurance from Haulers helps you keep moving, with protection that's both reliable and designed to fit a variety of budgets.
What Is Renters Insurance?
Renters Insurance can help cover the belongings that make your space livable, along with temporary housing costs and certain liability-related expenses. Your landlord’s insurance covers the building itself.
Who Needs Renters Insurance?
Anyone who rents a home, apartment, condo, or room can benefit from Renters Insurance. It helps with the cost of replacing personal belongings after a covered loss, temporary living expenses if the rental becomes uninhabitable, and certain liability-related expenses.
Types of Renters Insurance Coverage
Renters Insurance can help with three main things: protecting your belongings, covering liability, and helping with extra living expenses if you can’t stay in your building or apartment.
Personal Property
Just like the car you drive, your personal property says a lot about you. It forms an essential part of your home and daily routine. Personal Property Coverage from Haulers can help you replace your belongings if tragedy strikes. We recognize some of your possessions are unique and may need special coverage, such as:
- Money, bank notes, bullion, coins, and medals
- Securities, stamps, tickets, and deeds
- Jewelry, watches, and furs
- Gold (with special limits)
- Silverware and goldware (if stolen)
Haulers provides special coverage limits for these treasures. If your Basic Personal Property Coverage isn’t enough, we can help you keep moving forward with coverage through an endorsement.
Additional Living Expenses
Life’s path isn’t always smooth. Sometimes, unexpected events make your rental uninhabitable. If you ever find yourself needing to move out temporarily due to a covered loss, Haulers is here to help you get past whatever bumps you encounter on the road. Additional Living Expenses Coverage can help with the extra costs you face while you’re displaced.
Personal Liability
Friends, family, neighbors, and other people may occasionally visit your rental. You don’t want them to get injured while they’re there, but if they do, Haulers’ personal liability coverage can help pay for the costs you’re legally responsible for, so the incident doesn’t put an additional financial burden on you.
Medical Payments
If a guest is accidentally injured at your rental, our Medical Payments Coverage is there to help with reasonable medical expenses. Haulers can help ensure that rough patches like these won’t throw you off course.
What Does Renters Insurance Not Cover?
Renters insurance has limits. It doesn’t cover
- the building
- your car
- flood or earthquake damage
- intentional damage
- everyday wear and tear
It may also have lower limits for high-value items, and your roommates need their own policy.
How Much Renters Insurance Do I Need?
How Much Renters Insurance Do I Need?
You’ll need enough coverage to replace your personal belongings, and you may want to consider coverage for temporary living expenses and liability coverage. Taking inventory of your belongings can help you choose the right amount.
Why Choose Haulers for Personal Renters Insurance?
Haulers is a smart choice for Renters Insurance. We offer dependable coverage, personal service, and support from independent agents who understand your needs.
Other Personal Insurance Products We Offer
Personal Auto
Drive with confidence knowing you’re backed by competitive rates and a streamlined claims process. Our personal auto coverage is built for the road ahead, ensuring you stay protected through every mile of your journey.
Start Your Renters Policy Today
Start Your Renters Policy Today
Take the next step with coverage that fits your life and support from a local independent agent who’s ready to help.
Renters Insurance FAQs
What does Renters Insurance cover?
Renters Insurance can help pay for your belongings, temporary living costs, and some liability-related expenses. Your landlord’s policy covers the building.
Does my landlord's insurance cover my belongings?
No—your landlord’s insurance covers the building, not the things that make it feel like home. Your furniture, clothes, electronics, and other personal items are typically your responsibility. That’s where Renters insurance can help.
Is Renters Insurance required by law?
No— Renters Insurance usually isn’t required by law, but your lease may say otherwise. Many landlords make it a condition of renting. Even when it’s optional, it can still be a smart way to help protect your belongings and pay for other covered expenses.
How much does Renters Insurance cost?
That depends on how much coverage you want. It’s best to discuss your needs with an agent who sells Haulers Insurance.
What's not covered by Renters Insurance?
Renters Insurance has its boundaries. While it can help with your belongings and other covered costs, it doesn’t cover damage to the building, expected wear and tear, intentional damage, or every expensive item you own. In addition, flood and earthquake damage are typically covered through separate policies.
What happens if my rental becomes unlivable?
If a covered loss makes your rental unlivable, Renters Insurance may help with the extra costs of living somewhere else while things are repaired. That can include hotel stays, meals, and other expenses you wouldn’t normally have if you were still at home.
Do I need extra coverage for jewelry or valuables?
Maybe. Standard Renters Insurance may have limits for jewelry and other high-value items, so it’s a good idea to ask your agent if extra coverage makes sense.