RENTERS INSURANCE (HO-7)

 Your landlord’s policy covers the building—not your belongings or your personal liability. A renters (HO‑4) policy helps pay to replace your stuff after a covered loss and protects you if you accidentally cause injury or damage. 

• Address
• Estimated value of belongings
• Any jewelry/collectibles
• Pets (breed)
• Prior claims
• Preferred deductible

• Personal Property--coverage for your belongings on & off premises
• Personal Liability-- if someone is injured or you cause damage
• Loss of Use-- Hotel/meals if your unit is unlivable after a cover claim

• Water / Sewer backup
• Higher  special limits for jewelry/ bikes
• Identity theft
• Scheduled items (appraised valuables)

• Bundle with auto
• Monitored alarms
• Claims - free
• Responsible pay
• Higher deductible

 Many renters choose $25k–$75k+ of personal property, depending on what they own. A quick home inventory (photos + receipts) makes it easy to right‑size coverage and speeds up claims. 

Is my laptop covered away from home?
Yes—personal property typically follows you worldwide, subject to policy limits and deductibles.

Can roommates share a policy?
Often not recommended; separate policies are cleaner for claims and liability.

What liability limit should I pick?
Common choices are $300k–$500k. Ask about pairing with an umbrella policy.

1. Report quickly — we guide you step‑by‑step
2. Document with photos/receipts
3. We advocate with the carrier
4. Restore — we help keep things moving