Renters Insurance Coverage

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What Does Renters Insurance Cover?

With the AARP® Homeowners Insurance Program from The Hartford, home and apartment renters can choose from a range of popular coverages. After all, your belongings still need to be protected, even if you do not own a house. Renters insurance coverage includes:
 
  • Personal property
  • Personal liability
  • Medical payments
  • Property damage to others
  • Additional living expenses

Renters Insurance Coverage Breakdown

Renters insurance coverage targets specific areas of need for renters. They are:
 
Personal Property. This coverage helps protect items such as furniture, clothing and appliances that may have been damaged. For example, while out with friends, a kitchen fire in neighboring apartment caused smoke and water damage to your apartment. Personal property insurance helps pay the costs to repair or replace such items that are damaged in a covered event. 
 
Personal liability. This coverage helps protect you in two ways. First, it helps cover legal judgments against you for bodily injury and/or property damage that you are responsible for, up to your policy limits. Second, It also helps pay expenses associated with your legal defense in a liability claim. For example, if someone is injured in your swimming pool that was not properly maintained, they may file a claim against you. Personal liability coverage can help pay the costs of your legal defense.
 
Medical Payments. This coverage helps pay medical bills associated with injuries someone has sustained in your rental property. It also covers any injury caused by a member of your family or a pet, regardless of where it happens. For example, your friend comes to meet your new dog at your apartment or at a dog park. The dog bites their hand causing injury. Medical payments coverage helps pay for the medical bills related to that covered claim. These bills are paid up to the limits of your policy coverage, whether or not you are deemed legally responsible. 
 
Property damage to others. Rental insurance can help cover expenses when you accidently damage or break property that doesn’t belong to you. For example, you visit your friend’s apartment and break their valuable vase. Renters insurance can help cover the costs involved in repairing or replacing it.
 
Loss of Use. This coverage helps pay your extra living expenses up to policy limits if you cannot live in your rental property due to a covered loss. For example a fire causes the roof of your apartment building to collapse and you need to find temporary housing elsewhere that costs more than your current rent. This policy can help cover the added expenses.
 

Additional Renters Insurance Coverages

In addition to the coverage mentioned above, there are additional rental insurance coverages available. They are:
 
ProtectorPLUS Zero Deductible Benefit. This coverage waives up to $5,000 of your rental insurance deductible if you experience a qualifying loss of $27,500 or more.*
 
This coverage does not apply to special deductibles such as hurricane, earthquake, coalmine subsidence, special wind/hail or optional special theft deductibles.
 
Personal Injury Liability Coverage. Helps cover you from damages that arise out of libelous or slanderous accusations and charges.2
 
Replacement Cost Coverage. This coverage helps pay for a brand new item to replace one that was stolen or damaged. Compare this coverage to actual cost value coverage (ACV) which pays out based on the value of the possession at the time it was stolen or broken. An ACV payout is often less than the value to replace the item with a new one.
 
Earthquake Coverage. Depending on what state you live in, you may have the option to purchase earthquake coverage. This can help cover the cost of damage to possessions as the result of an earthquake.
 
Water Backup. If your rented property is damaged by water backup or sump pump overflow, this insurance will help cover the damage costs.
 
Additional Insurance Riders. This coverage is available to insure specific valuables up to certain limits. For example, you can add an insurance rider to your policy to cover a piece of jewelry specifically.
 

How Much Renters Insurance Coverage Do I Need?

To determine the renters insurance coverage you need, you will need to know your items total value. To do this, start by creating an inventory of your things. Your inventory can be a list or a spreadsheet that includes for each item the following information:
 
  • The name of the item (include model number)
  • The date and location the item was purchased
  • How much the item costs and its current value
  • Replacement cost of the item
  • The current condition of the item
  • Any serial numbers associated the item
Store this inventory list somewhere other than your home. For example, store it in a safety deposit box. Photographs of each item can be helpful in making a claim, as they prove ownership. Click here for additional help making an inventory and preparing for a natural disaster.
 

What Is Not Covered by Renters Insurance?

Renters insurance does not cover:
 
  • Personal property loss over your coverage limit
  • Liability protection over your coverage limit
  • Damage to the structure of the rented building
The complete list of what is not covered is included on your policy. Certain items can have coverage limits. This refers to the maximum amount of money a company will pay in the event of a loss to an insured item. Examples of items with coverage limits are cash, jewelry or firearms. To determine the appropriate coverage limit for your items consult your home inventory list. This list outlines what each item is worth. The total value to replace all items on the list can give you a good idea of how much coverage you need.
 
Agents can also help you determine correct limits. Talk to an agent at The Hartford today.
 

Popular Coverage Options to Meet a Tenant’s Unique Needs

Equipment Breakdown Coverage – If an appliance, system or piece of electronic equipment in your rental breaks down for mechanical reason, this coverage helps pay the cost of repairing or replacing it.
 
Valuable Items “Blanket” Coverage – Removes the hassle of scheduling an appraisal for the valuation of unique items such as jewelry, watches, artwork and expensive dinnerware while offering great coverage.It also provides coverage for added perils – such as mysterious disappearance or breakage.
 
Identity Fraud Expense Coverage – If you’re a victim of identity theft or fraud, this coverage reimburses you up to $25,000 in out-of-pocket costs that were needed to restore your identity. This includes lost income and legal fees.4
 
Water Backup and Sump Pump Overflow – If your rented property is damaged by water backup or sump pump overflow, this insurance helps cover the damage costs.5
 
This does not provide coverage for water damage caused by direct or indirect flooding. It also does not provide coverage for water backup of sewers. Any drain, overflow or discharge of a sump pump caused by flooding is likewise not covered.
 
Assisted Living Care Coverage – Extends your Liability, Contents and Additional Living Expenses Coverage to a relative who used to live with you, who now is living in an assisted living facility. 6
 
Scheduled Personal Property – This insurance provides 100% protection for unique items that require separate coverage to insure their full value. It also provides coverage for added perils – such as mysterious disappearance or breakage.
 
The Hartford ID Hotline, Identity Restoration Services – Have questions or concerns about identity theft, fraud or the safety of your personal information? When you’re insured by The Hartford, you get free and unlimited access to The Hartford ID hotline and Identity Theft 911’s Resolution Center.
 
Here, you can receive personal, one-on-one attention from qualified fraud specialists. Identity Theft 911’s Fraud Specialists will help you take the steps needed to prevent you from becoming a victim of identity theft. In the unfortunate circumstance that you do become a victim of identity theft, they will talk you through every step of the recovery process.
 
 
Not all features and benefits are available in all states. Conditions and exclusions apply.
 
* This benefit will completely eliminate your homeowners insurance deductible (up to $5,000), if you have a qualifying claim of $27,500 or more.
 
2 This coverage offers your clients protection against potential damage for libel or slander.
 
3 An easy, convenient way to add a higher level of protection for valuable items such as jewelry, silverware, fine art, musical instruments, cameras, and more – without the added paperwork of scheduling or appraisals.
 
4 This coverage will reimburse you for out-of-pocket expenses related to identity theft or fraud such as: (1) lost income due to time away from a job to work with credit agencies, or (2) legal expenses needed to remove criminal or civil judgments caused by fraud. ID fraud is a scary fact of life in today’s tech-driven world. But The Hartford’s ID Fraud Expense coverage can help to reduce the financial impact of these crimes. Our coverage will reimburse you for up to $25,000 in out-of-pocket expenses related to identity theft or fraud. This also includes protection against lost income, with a total limit of $7,500 and a limit of $300 per day. You can use lost income coverage as reimbursement for time away from a job to work with credit agencies, or for legal expenses needed to remove criminal or civil judgments caused by fraud.
 
5 For an additional cost, you can get property protection for water backup or sump overflow – that is not caused by flood or surface water. Our basic coverage amount is $5,000 and other amounts may also be available. Your independent agent can provide further state-specific information about this coverage.
 
6 Your homeowners policy can help to protect a family member who lives in an assisted care facility. With our optional Assisted Living Care, you can provide Personal Property and Personal Liability coverage for a relative in a nursing home or similar facility. Coverage amounts help to pay for lost personal property, such as hearing aids, eyeglasses, false teeth, wheelchairs and more. This option also provides coverage for Additional Living Expenses (in certain situations).
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile & Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In California, the Program is underwritten by Hartford Underwriters Insurance Company. In Washington, the Auto Program is underwritten by Hartford Casualty Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Michigan, the Auto and Home Programs are underwritten by Trumbull Insurance Company. In Minnesota, the Auto Program is underwritten by Sentinel Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Pennsylvania, the Auto Program is underwritten by Trumbull Insurance Company, and the Home Program is underwritten by Hartford Underwriters Insurance Company. Homeowners product is not available in all areas, including the state of Florida. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The program is currently unavailable in Massachusetts, Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.