What's Covered
Covers your furniture, electronics, clothing, and belongings if they're stolen or damaged by fire, water, or other covered events. Your landlord's policy doesn't cover your stuff.
Protects you if someone is injured in your rental unit and decides to sue. Covers legal fees and damages up to your policy limit.
Pays for temporary housing and living expenses if your rental becomes uninhabitable after a covered loss — like a fire in the building.
Covers minor medical expenses for guests injured in your home, regardless of fault. Helps resolve small claims without involving a lawsuit.
The Bottom Line
If there's a fire, a break-in, or a burst pipe — your landlord's insurance covers the building. Everything inside your unit — your laptop, TV, furniture, clothes — is your responsibility. Renters insurance fills that gap for a few dollars a month.
FAQ
Most renters insurance policies cost $10–$20 per month — often $150–$200 per year. It's one of the best-value insurance products available, covering thousands of dollars in belongings for less than a cup of coffee per day.
No. Your landlord's policy covers the building — walls, roof, and structure. Your personal belongings — furniture, electronics, clothing, kitchen items — are entirely your responsibility. Without renters insurance, a fire or theft loss comes completely out of pocket.
Renters insurance covers personal property (theft, fire, water damage), liability if someone is injured in your unit, loss of use if your unit becomes uninhabitable, and medical payments to guests. Coverage follows your belongings even away from home — like a laptop stolen from your car.
Many landlords in Tennessee now require proof of renters insurance as a lease condition. Even if yours doesn't, the cost is so low relative to the protection it provides that it's almost always worth having.
You Might Also Need
Bundle renters + auto and many carriers will discount both policies at the same time.
Learn More →Add $1M+ of liability above your renters policy for about the cost of one dinner out per month.
Learn More →Buying a home? We'll transition your renters policy to a full homeowners policy seamlessly.
Learn More →Renters insurance is one of the easiest policies to get. Quick quote, fast approval, affordable rate.
