Does My Renter's Insurance Cover Theft?

(Get your answers from an expert and find the coverage you need.)

Q: Does my renter's insurance cover theft? Or does it only cover damage from something like a fire?

A: Renter's insurance, also known as tenant’s insurance, is a homeowner's policy for a person or family who doesn’t actually own their home (apartment or rental house). The coverage provided in most renter's policies is practically identical to a homeowner's policy, except there is no coverage for the actual building. Most homeowner's policies cover theft of contents (personal property), therefore most renter’s policies cover the theft of contents as well.

Caution: Each insurance company offers different products. Some renter’s policies may not cover theft of contents. Others may significantly limit the theft coverage in amounts or to categories of property. Check with your Trusted Choice agent to see if the policy you’re buying is right for you.

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