20 articles
Browse 20 independent guides about renters insurance: plain-English explainers, worked examples and tips for comparing insurance coverage.
Florida regulators approved an average 12.8% renters insurance rate cut from American Modern Home Insurance Company, effective October 11, 2026. Who gets it, the county-by-county cuts, whether renters insurance covers hurricane damage in Florida, and how to lower your premium.
Standard renters insurance excludes flood, including most flooded basements. Here is which water damage it does cover, how renters flood insurance works, and what to buy before the next storm.
Most people weigh renters insurance against what their belongings are worth. That is the wrong calculation, and it is why the honest answer is almost always yes.
A smashed window is your auto policy. The laptop that was on the seat is your renters policy. One break-in, two claims, two deductibles, and often neither is worth filing.
Infestations are excluded from every standard renters policy as a maintenance issue. Who is actually responsible, what the lease says, and what you can do.
Loss of use pays the additional cost of living elsewhere after a covered loss. What counts, what does not, and the parts tenants routinely forget to claim.
Renters liability pays when someone else is hurt in your home or by your actions. Your own injuries are your health insurance, and the naming confuses everyone.
Theft is covered wherever it happens and forced entry is usually not required. The category sublimits are where claims disappoint, and cash is capped at almost nothing.
Colorado renters face the country's worst hail belt and a wildfire risk that reached the suburbs. What a standard policy covers here, and the gaps to close.
Indiana renters pay some of the lowest premiums in the country and have some of the weakest statutory remedies against a landlord. That combination changes what you should buy.
Your appliances are covered against fire and flood damage, never against simply failing. And the landlord's dishwasher flooding your flat is a different claim entirely.
Your bike is covered wherever it is stolen from, but sublimits and the deductible frequently make the claim pointless. And e-bikes are often excluded entirely.
