Renters Insurance | Mervil's Insurance Services

A renters insurance policy is a group of coverages designed to help protect renters living in a house or apartment. A typical renters insurance policy includes three types of coverage that help protect you, your belongings and your living arrangements after a covered loss. Read on to learn how each type of coverage works.

What does renter's insurance cover?

Your dwelling

Other structures on your property

Personal property

Liability

You may also be able to purchase additional coverages for greater protection. Typical homeowners insurance policies offer coverage for damage caused by fires, lightning strikes, windstorms and hail. But, it's important to know that not all natural disasters are covered by homeowners insurance. For example, damage caused by earthquakes and floods are not typically covered by homeowners insurance. You may be able to purchase separate insurance policies to help protect your home and belongings against those types of risks.

Coverage Type	What It May Cover	What's Typically Not Covered
Personal Property	The cost to repair or replace your belongings, such as clothing, furniture and electronics, up to the limits in your policy	Personal property loss over your coverage limit
Liability	Repairs if you accidentally damage someone else’s property or a guest’s medical bills if you’re found responsible for their injuries	Liability protection over your coverage limit
Additional Living Expenses	Additional costs you incur, like hotel bills, if the residence you rent is damaged and left uninhabitable	Damage to the structure of the building you're renting

Coverage Type

What It May Cover

What's Typically Not Covered

Personal Property

The cost to repair or replace your belongings, such as clothing, furniture and electronics, up to the limits in your policy

Personal property loss over your coverage limit

Liability

Repairs if you accidentally damage someone else’s property or a guest’s medical bills if you’re found responsible for their injuries

Liability protection over your coverage limit

Additional Living Expenses

Additional costs you incur, like hotel bills, if the residence you rent is damaged and left uninhabitable

Damage to the structure of the building you're renting

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