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Renters insurance includes three basic coverages that impact the cost of a policy for your apartment. Typically, standard renters insurance policies come with claim limits for each. But anyone can customize their apartment insurance by increasing any limit independently or by adding endorsements or floaters to their policy.


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Rental Insurance Coverages for Apartments

Personal property coverage: This part of apartment renters insurance is probably self-explanatory. Personal property coverages pays to repair or replace a renter’s belongings up to a defined limit of a policy. Standard rental insurance policies some with at least $15,000 in coverage but policies holders have the option to purchase more coverage and increase their claim limit. Remember that earthquakes, flooding and sinkholes are usually excluded from personal property coverage, regardless of the type of rental someone inhabits. This covers belongings inside of your apartment, and outside - including in your car, or on your body while you're traveling.