Renters Insurance

Why do you choose to rent? Maybe you just moved to a new city and want to get a sense of the neighborhood before making a purchase. You might like the convenience of having an apartment and letting a landlord handle anything that goes wrong. Perhaps it’s the most cost-effective way to live near the city center.

Whatever your reason for renting, you may need renters insurance coverage to help you protect your personal possessions and assets. Your Farmers agent can help you understand your insurance options so you can choose the coverage you want for your apartment or house rental.

Renters Insurance Coverage Options

Here are a few risks renters may face — and how renters insurance coverage may help:

A candle starts a fire



You’ve lit several candles — which unintentionally start a small fire in your apartment.


Property coverage under your renters policy may help if personal property like a sofa and a bookcase are damaged by fire.

You’re sued by a Neighbor

Fallen Tree


On an especially gusty day, strong winds push a small potted plant off your apartment's balcony and onto a neighbor who is passing below. He is seriously bruised, and decides to sue.


Renters liability coverage may help if you’re responsible for an injury to someone outside your household.

A guest is injured

Injured Son


You’re hosting a small cocktail party when a guest trips on frayed carpet in the hallway. His injury isn’t severe — but his arm does require medical attention.


Medical payments coverage may help if a guest is injured on your premises.

You have to relocate temporarily



When a washer hose bursts and floods your apartment, you must move out while your landlord makes repairs.


Additional living expenses coverage may help with the extra costs of housing and food if you’re forced to move out for temporary repairs to your residence.

You can also customize your renters insurance policy to anticipate risks like these:

Your electronics are stolen


A thief steals all the electronics from your media center — the equipment is a few years old, though, and you want to replace everything with new .


Replacement cost coverage may help cover the cost of replacing older items with their brand new equivalents — ask your agent about some limitations that may apply.

Your identity is stolen


Your identity was stolen and used to rack up thousands of dollars in credit card charges.


Identity Shield may help in efforts to recover your identity, assist in notifying credit bureaus, replace important documents and help with compensation for your time and other related expenses.

Other insurance options to consider

Be sure to get a quote for other items you want to insure — there might even be a discount if you buy another policy in addition to your renters insurance.

You have a car accident



You get into a fender-bender on your way to work — the other driver is claiming neck injuries in addition to the damage to his car.


Auto coverage may help cover costs for property damage and bodily injury claims, as well as medical expenses, if you’re ever involved in an accident.

Your motorcycle is damaged

Damaged Motorcycle


While touring the countryside on your motorcycle, the sun blinds you just long enough for your tire to catch on a pothole. You’re not hurt when the bike goes down — but it’s seriously damaged.


Motorcycle insurance coverage may help repair or replace your bike and safety apparel if those become damaged due to a collision or other event.

Your pet is injured



Your constant companion — a nine-year-old Yorkie — breaks her paw when she leaps excitedly and misses a step on the stairway.


Pet insurance coverage may help with the cost of your pet’s surgery, physical rehabilitation and prescription medications.

You cause a multi-vehicle accident

Damaged Car


You rent a motor scooter for a day while vacationing in Italy — but accidentally cause a multi-vehicle wreck with several injuries.


Umbrella coverage is an extra layer of liability insurance that may help if the coverage of an underlying policy isn’t enough to cover costs for which you’re responsible. It goes with you anywhere in the world.

Francis Barra lived in Far Rockaway, New York, when Hurricane Sandy struck.

"We had all the stuff you can't replace in the basement: photos, books, marathon medals," he says. "In 15 minutes, water filled the basement to the ceiling."

Read the story: Genius Ideas for Disaster-Proofing Heirlooms and Momentos in Your Home

Why Choose Farmers?

We’ve spent 90 years putting customers first — personalized attention is a hallmark of the Farmers experience.

Our experienced claims representatives are available to assist you through the claims process 24/7.

In the unfortunate event of a large-scale disaster affecting a city or region, Farmers may even dispatch a Catastrophe Response Team in a Mobile Claims Center bus to process claims on-site in real time.

You’ll probably have a few questions as you research renters insurance coverage. If you’re not yet ready to speak with an agent, we might still have useful information for you to consider. Explore an archive of helpful information here.

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Talk to a Farmers® agent about renters insurance.

Learn about all the options and potential discounts so you can choose the coverage you want.

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