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Home » Request Quotes » Home Insurance » Renters Insurance

Understanding Renters Insurance

Renters Overview
  • Overview:
  • 3 Main Parts
    • Covers Personal Property
    • Liability Protection
    • Additional Living Expenses
  • Other Guides & Helps

(Looking for a quick quote on renters insurance? Contact Us )

Overview:

Renters insurance is simpler than regular home insurance because there’s no structures to cover, but it still provides you with important coverages. It’s relatively inexpensive, usually $75 to $200 annually, and most landlords require it.

3 Main Parts

Covers Personal Property

A renters policy protects you against losses from theft, fire, and other events. It’s important to know:

  • How much personal property is covered?
  • Are there special limits on certain items such as jewelry, instruments, or special collections?
  • How much is your deductible?
  • Can it include earthquake coverage?

Liability Protection

This covers you against lawsuits for property damage or injuries unintentionally done by you.

Additional Living Expenses

If a fire makes your rental unlivable, this coverage will help cover the costs of transitioning to a new place.

Other Guides & Helps

  • The State of Oregon has put together a consumer guide here at Help with Renters Insurance, including their Renters Insurance Shopping Tool.
  • Here’s a consumer guide from NAIC: “Renting Your Home? This is What You Need to Know About Renters Insurance.”

Explore more

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9620 NE Tanasbourne Dr, Suite 300
Hillsboro, OR 97124

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503-360-5850
eli@sensiblepnw.com

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