insuruno home

For your space and everything in it

Renters insurance,
a little clearer.

Learn how to protect your belongings even when you do not own the building.

Start with the basics.

Your landlord’s policy generally protects the building, rather than your personal possessions. Renters coverage can help protect belongings and provide other benefits after covered events.

KNOW WHAT YOU’RE LOOKING AT

The pieces of a policy.

Personal property

Protection for covered damage or theft of your possessions.

Personal liability

Coverage for certain injury or property-damage claims.

Living expenses

Some policies help with qualifying costs if a covered loss makes your home unusable.

Valuables

Ask about special limits and added coverage for higher-value items.

The landlord’s insurance generally does not replace your belongings. Read your renters policy for the covered causes of loss.

BEFORE YOU CHOOSE

Bring better questions
to the conversation.

See the full comparison guide
  1. 01

    Make an inventory of your belongings.

  2. 02

    Compare replacement cost and actual cash value.

  3. 03

    Review limits, deductibles, and exclusions.

A few common questions.

Do I need renters coverage if my landlord has insurance?

Your landlord’s coverage generally does not cover your personal belongings. A renters policy addresses different risks.

How do I choose a personal-property limit?

An inventory can help you estimate the value of what you own. Discuss the result and any special items with your insurer.

Further reading: NAIC renters insurance guide. Reviewed October 13, 2026.

Your world has more
than one part.

Explore all coverage

Car insurance

Understand protection for your vehicle, your passengers, and the unexpected.

Home insurance

Explore coverage for your home, your belongings, and the life you have built.

Life insurance

Get to know term and permanent coverage before choosing a policy.

Health insurance

Look beyond the monthly premium to understand the full cost of a plan.

Pet insurance

Understand veterinary coverage, reimbursement, and the details to check first.

Business insurance

Explore coverage around the people, property, and services behind your business.