You already know that GEICO is one of the nation's leading auto insurers. Did you know that we can help you protect your personal property, too? Take a moment to learn more about renters insurance below, then get a free rate quote today!
Renters insurance is insurance you buy if you are renting a property from someone else. It primarily covers your personal belongings since you're not responsible for the building. If you are a landlord you need a dwelling fire policy instead. You can get a quote for a renters policy online. You can also get a renters insurance quote or dwelling fire insurance quote by calling 1-800-841-3005.
You rent the house or apartment where you live, so why would you need insurance? Isn't that just for homeowners? Not necessarily - it's important for everyone to have property insurance; a renter's insurance needs are just different than a homeowner's.
The homeowner's (or commercial property owner's) insurance policy that covers the physical dwelling you live in generally does not cover your possessions inside of the building. A renters insurance policy (also known as a tenant's insurance policy) provides protection for your personal property, such as furniture or electronic equipment, in case of perils like fire, theft, or wind damage from a hurricane.
Renters policies provide "named peril" coverage, meaning the policy states specifically what you are insured against.
Some of the named perils are:
Nine other common loss types are included in tenant's insurance policies.
Your coverage will include liability protection, which covers damages as a result of unintentional bodily injury or property damage to another person. If necessary, a renters insurance policy may even pay for your legal defense in these circumstances.
Your renters liability coverage also includes medical payments coverage, which pays for medical expenses of nonresidents - people who don't live at the rental property you've insured. At geico.com you can get a quote online to see just how affordable all these valuable coverages can be.
GEICO can help you set up a renters insurance policy that will offer you protection from all kinds of unexpected events, from a break-in while you're away on vacation to a fire caused by a neighbor's improperly discarded cigarette.
Please note:
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.
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