Tenant Homeowners
Why Buy Tenant Homeowners Insurance?
There's no place like home. And getting high-quality home insurance is almost as easy as clicking your heels three times. Get started with a free online tenant homeowners quote anytime.
How Does Tenant Homeowners Insurance Protect Me?
Fire, theft, accidents. . . these are the kinds of threats that might cause you to lose sleep, if you didn't have the protection of tenant homeowners insurance coverage. Fortunately, a tenant homeowners policy will cover damage to your personal property due to a variety of causes (called "named perils" in insurance lingo.) The personal liability portion of a tenant homeowners policy provides coverage, for example if your litigious brother-in-law slips down your steps on a rainy day and injures himself.
Each tenant home insurance policy offers different protection, but standard policies usually provide:
- Broad coverage for damage to your house and any permanent structures on your property (unless the cause of the damage is specifically excluded in your policy.)
- Damage to your personal property due to causes specified in your policy.
- Limited coverage-usually $500 - $2,000-for jewelry stolen from your home. (Most policies don't cover lost jewelry.) If you need greater coverage for your prized collection, you might need a tenant homeowners policy endorsement.
- Coverage for personal liability exposures.
- Coverage for additional costs you might incur because of a covered loss (for example, if you need to temporarily live elsewhere if a fire makes your home uninhabitable).
