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Renters Insurance

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Renters Insurance

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If you rent an apartment or other property, take a look around your home. Are there valuable items that you would be hard-pressed to replace if they were destroyed or stolen?

Many renters assume that their landlord's insurance policy covers the tenant's personal property, but that is rarely the case. If you rent, you should consider a renters insurance policy that covers items like TVs, computers, furniture and clothing. Make a list of what you own; you may be surprised at how much you have at stake.

Renters insurance from The Hartford comes with features and benefits that make a real difference in the way you're protected. Consider getting a renters insurance quote.

Not all features and benefits are available in all states.

"New For Old" Protection

If you choose our replacement cost coverage on contents, we want to give you a fresh start. With our renters insurance, we'll pay the actual cost of replacing your possessions—regardless of age or condition—with new items of equal quality.

24/7 Hassle Free Claim Service

Our renters insurance claim professionals are available any time of the day or night, ready to assist you with expert claim service.

Optional Endorsements Available

In our endorsement portfolio, we also offer numerous optional endorsements such as:

  • Replacement Cost Contents Coverage
  • Green Rebuilding
  • Equipment Protection Advantage
  • Valuable Items "Blanket" Coverage
  • Assisted Living Care Coverage
  • Water Backup and Sump Pump Overflow
  • Personal Injury Liability Coverage—for potential damage for libel or slander.
  • Increased ID Fraud Expense Coverage—up to $50,000

*Certain coverages, features, and credits vary by state and may not be available to all insureds.

Scheduled Personal Property

For renters who need more than $10,000 of protection for valuables, or have special valuables such as antiques or fine art, our scheduled personal property coverage allows you to list items and their value for more customized protection. (Appraisals may be required.) 

Be Flood Smart!

Most renters insurance policies don't cover flood damage to your contents (personal property). The good news is that flood insurance is available from The Hartford through the federally-backed National Flood Insurance Program (NFIP). Click here to learn more about flood insurance and to request a quote.

Call for a Quote

For more information or to request a quote, call The Hartford at

M-F 7 am to 11 pm ET,
Sat-Sun 8 am to 6 pm ET

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