What Does Tenant’s Insurance Cover?

Protect your personal belongings and liability with tenant’s insurance. Learn what it covers in this comprehensive article.

As a tenant, you may be wondering what is covered by your tenant’s insurance policy. Tenant’s insurance is a type of insurance that provides coverage for your personal belongings and liability protection in case of an accident or damage to your rental unit. In this article, we’ll take a closer look at what tenant’s insurance covers.

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Personal Property Coverage

Personal property coverage is the most basic coverage provided by tenant’s insurance. It covers the cost of repairing or replacing your personal belongings, such as furniture, electronics, and clothing, in case they are damaged or stolen. The coverage limit and deductible may vary based on the policy you choose.It’s important to note that certain items, such as jewelry, artwork, and collectibles, may have a limited coverage limit. If you have valuable items, you may need to purchase additional coverage to ensure they are fully protected.

Liability Coverage

Liability coverage provides protection in case someone is injured or their property is damaged while on your rental property. For example, if a guest slips and falls in your apartment and suffers an injury, your liability coverage will cover the medical expenses and legal fees if you are sued.The coverage limit and deductible may vary based on the policy you choose. It’s important to note that liability coverage does not cover intentional acts of harm or damage caused by pets.

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Additional Living Expenses Coverage

Additional living expenses coverage provides coverage for temporary living expenses if you are forced to move out of your rental property due to damage caused by a covered event, such as a fire or flood. This coverage may include the cost of hotel stays, meals, and transportation.The coverage limit and deductible may vary based on the policy you choose. It’s important to note that this coverage is only applicable if the damage to your rental property is caused by a covered event.

Exclusions and Optional Coverages

It’s important to review your tenant’s insurance policy to understand what is excluded from coverage. For example, damage caused by floods or earthquakes may not be covered by your policy. Additionally, certain types of personal belongings, such as jewelry and artwork, may have limited coverage limits.Optional coverages may be available to add to your policy, such as flood or earthquake coverage, or increased coverage limits for valuable items. Keep in mind that adding optional coverages may increase your premium.

APOLLO offers protection for renters with our tenant insurance coverage. Get a free quote on our simple online platform and we’ll send your policy documents straight to your inbox.

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