03/20/2026
What does renters insurance cover?
❗️Personal liability
Helps provide protection if someone makes a claim or brings suit against you for bodily injury or property damage caused by a covered occurrence. This includes:
Damage to property rented to you caused by fire, smoke, explosion or abrupt and accidental damage from water
If you’re found legally responsible for property damage or injury to another person or their property
Up to $500, in excess of the security deposit, if your household pets cause damage to property rented to you
In addition to these settlement costs for damages which you’re legally liable, this coverage may help pay defense costs and court costs. State Farm will not provide a defense for criminal prosecution or proceedings. Be sure to select liability limits high enough to protect your assets.
❗️Personal property
Helps cover your personal possessions not permanently attached to your home if they are damaged or stolen.
❗️Loss of use
Helps cover additional living expenses if you need to vacate your home because a covered loss left it uninhabitable.
❗️Medical payments to others
Helps cover injuries to others that might occur on your property. Also known as guest-medical payments, it helps provide limited coverage if a third party is accidentally injured and needs medical treatment.
❗️Additional coverages
May provide payment for arson reward, collapse, credit or bank card forgery, debris removal, fire department service charge, locks and remote devices, power interruption, property removed, refrigerated products, temporary repairs, trees, shrubs and landscaping, and volcanic action.
Helps cover payment for damage to the property of others caused by you, your claim expenses, and first-aid expenses to others incurred by you.
