Personal property coverage
As with any renters insurance policy, coverage varies by state, company, and type, but here are some basic examples of personal property to include in your inventory. Items not listed here may still be insurable; ask agents about customizing your policy with more options.
Property typically covered by renter's insurance:
- Stereo systems, VCRs, and television sets
- CDs, DVDs, videos, and tapes
- Cameras and other photography equipment
- Movable appliances, including microwave oven
- Furniture
- Sports equipment
- China and glassware
- Clothing
- Books
- Miscellaneous
Property typically covered by renter's insurance with limitations:
- Home computers
- Cash, including coin collections
- Checks, traveler's checks, and securities
- Jewelry and watches
- Precious and semi-precious stones
- Comic books, trading cards, and stamps, including collections
- Antiques and fine art
- Goldware and silverware (theft)
- Rugs, wall hangings, and tapestries
- Firearms (theft)
- Furs or clothing trimmed in fur
- Boats or other watercraft, and related equipment
Natural hazards coverage by renter's insurance
Again, natural-hazard coverage varies by state and company, but most rental insurance policies protect your property against losses created by the following:
- Vandalism
- Water damage from failure of plumbing or appliances
- Frozen water pipes
- Hail
- Windstorm
- Smoke
- Explosion
- Vehicles or aircraft
For a higher premium, most renters insurance carriers offer options to add coverage for hazards not included in a standard renter's insurance policy:
- Earthquake, landslide, or other damage caused by movement of the earth
- Water damage cause by an underground source or flooding
- Nuclear-hazard damages
