What's Covered By Each Renters Insurance Type
| Coverage Type | What's Covered | What's Not Covered | Common Coverage Limit |
|---|---|---|---|
| Personal property coverage | Clothing, furniture, art, electronics or anything else owned in a rental house or apartment up to your policy's limit. | Losses exceeding your total personal property limit and sub-limits. See our list of excluded possessions here. | Variable |
| Liability coverage | Property damage and bodily injury to another person and their medical expenses | Property damage and bodily injury to you or members of your household or your property | $100,000 |
| Medical payments coverage | Medical expenses of an injured party | Medical expenses of an injured party if they are the insured | $1,000 |
| Additional living expenses | Hotel bills, transportation, meals | Long-term housing costs beyond policy limits |
$3,000-$5,000
|
