Renters Insurance FAQ

What is renters insurance?

Renters insurance helps protect you and your belongings from the unexpected such as fire, theft and more.

What does renters insurance cover?

A typical policy can cover your personal belongings, your pets and all family members.

Is renters insurance mandatory?

No it is not. But some management companies and some landlords may require it.

How does renters insurance work?

Renters insurance will help pay for some of the costs of a covered event such as a burglary. When you experience a loss, make a claim with your insurance company, pay your deductible, and wait for the claims adjuster to inform you of how much your insurance company will pay. Personal injuries and pet bites may also be covered.

Does renters insurance cover fire damage?

Renters insurance may cover damage from a fire or smoke after your deductible is paid.

Does renters insurance cover car damage?

Your renters insurance will typically cover your belongings if they are stolen from your car, but would not cover damage to the car itself. For car damage, you will want to check your comprehensive automobile insurance policy.

Will renters insurance cover car damage?

Your renters insurance will typically cover your belongings if they are stolen from your car, but would not cover damage to the car itself. You will need a comprehensive car insurance for that. Be sure to check your policy for more information.

How much is renters insurance?

The cost of your renters insurance will vary and depends on your location and how much coverage you may need. Insure One provides quality renters insurance at affordable rates. Call 800-836-2240 for a free renters insurance quote.

Is renters insurance tax deductible?

It is not tax deductible, but if you use part of your rental for business purposes, you can deduct a portion of your renters insurance. Contact your tax professional for more information.

How much renters insurance do I need?

That depends on where you live and your personal belongings. You will want to account for everything in your rental insurance policy including clothing, electronics, jewelry, kitchen gadgets, and more.

Does renters insurance cover flooding?

You will need a separate flood insurance policy, but if you have a water leak in your unit, your renters insurance may cover it.

Does renters insurance cover dog bites?

Many renters insurance policies cover dog bites under personal liability, but it often depends on factors such as the type of breed you have. Talk to your insurance agent for more information.

How can I get a renters insurance quote?

Insure One can give you a free renters insurance quote in just a few minutes. You can get your free quote online or you can call 800-836-2240 to speak to a live rep.

I have roommates, are they covered under my policy?

Roommates will need their own renters insurance policies. If you live with a spouse or children, they can be added to your policy.