What Does Renters Insurance Cover?

Assurant's Renters Insurance will cover both your personal property and personal liability.

Personal Property Coverage

With this coverage, some exclusions and limitations your personal belongings are covered if they are damaged as a result of many named perils.  Some examples are:

  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Smoke
  • Vandalism or malicious mischief
  • Theft
  • Accidental discharge or overflow of water or steam

Personal Liability Coverage
With this coverage you are financially protected in the event you are legally liable for damages because of bodily injury or property damage caused to your rental property or property of others. Many property managers require residents to maintain liability coverage during the term of the lease so that it pays them for damage caused to the rental property as a result of:

  • Fire
  • Explosion
  • Smoke
  • Water*

*In NC, water damage is currently not covered in the liability coverage section of the Renters Insurance Policy.

You may also optionally add water sewer backup as additional protection. Coverage includes up to $2,500 in damages if a sewer or drain backs up into your home. A $250 deductible applies.

What's Not Covered?

As with all insurance policies, there are some exclusions and limitations that apply. Depending on your policy you may not have coverage for losses caused by certain excluded events. Please refer to your policy for all details about your coverage, including limitations and exclusions.

Here are some examples that we feel are important for you to know:

Personal Property Coverage
Your personal belongings will not be covered if they are damaged as a result of the following named perils:



Water damage from sewer/drain backup*

Intentional losses

* Earthquake coverage is available by endorsement in CA and WA. Water Backup of Sewer or Drains is available by endorsement in most states.

 Liability Coverage
We will not cover bodily injury or property damages arising out of:

Or in connection with a business engaged in by an insured

The ownership, maintenance, use, loading, or unloading of motor vehicles or all other
motorized land conveyances

The ownership, maintenance, use, loading or unloading of an excluded watercraft

Intentional losses


Coverage availability and limits vary by state. For a detailed listing of all the coverages, exclusions,, and limitations that apply, please refer to the policy.


Last updated:
Jul. 21, 2022