Many renters think their belongings will be covered under their landlord’s insurance, but that insurance covers only the physical building—not your items. If a fire breaks out or someone steals your things, you may have to pay for repairs and replacement out of pocket.
What does renters insurance cover?
Provides compensation if personal items are lost or damaged due to fire, wind, smoke, theft, vandalism, and more. It doesn’t cover damage to the actual property—just items like furniture, clothes, bags, etc. You can get policy floaters, though, to cover expensive items such as jewelry, art, and electronics.
It’s important to protect your personal belongings with the right insurance. Call RCU Insurance Services at (707) 576-5115 or request on online quote today.
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Common renters insurance questions
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- How much does renters insurance cost?
The cost of renters insurance varies depending on a variety of factors including your location and coverage limits but the monthly cost is usually about the same as a pizza.
- How much coverage does a landlord require?
Different landlords may require different amounts of renters insurance. Your lease should state how much renters insurance is required.
- How does renters insurance work?
Renters insurance is usually paid monthly. With an active policy, you can file a claim to be compensated for damages to personal belongings.
- Why is renters insurance important?
Renters insurance is required by most landlords and is crucial to protect your personal belongings. Without it, you could face out-of-pocket expenses.
Additional coverage and services
Buy or refinance with a low rate loan from RCU.
Get a policy to cover yourself from expensive lawsuits.
Let us find you great coverage at the best value.
Have questions? Please call us toll-free at (866) 477-4225 or at (707) 576-5115.
What to Expect
To provide you more personalized service in today’s challenging market, we’ve updated our online quoting process.
Please answer a few questions to help us learn more about your insurance needs—click Continue to get started. Once you have selected how you want to be contacted, your RCUIS agent will reach out to you within 2 business days to discuss your options.