What Does Renters Insurance Cover?
Coverage for the unexpected—at home and beyond.
Personal Property
Protects your belongings like furniture, electronics, clothing, and more from covered events like fire, theft, or vandalism.
Liability Protection
Covers you if someone is injured in your rental or if you accidentally cause damage to someone else’s property.
Additional Living Expenses
Helps pay for hotel stays and temporary housing if your rental becomes uninhabitable due to a covered loss.
Medical Payments
Pays for medical expenses if a guest is injured in your rental — regardless of who’s at fault.
Loss of Use
Covers extra costs if you need to live elsewhere while your rental is being repaired after a covered claim.
Scheduled Personal Property
Optional coverage for high-value items like jewelry, art, or collectibles that exceed standard limits.
Not sure if you’re fully covered? Let’s find out in just a few clicks.
Why Renters Choose Cherries Insurance
Because your peace of mind shouldn’t depend on your zip code.
Your Landlord's Insurance Doesn’t Cover You
Most landlords only insure the building — not your belongings or liability.
It’s More Affordable Than You Think
Renters insurance is one of the most affordable ways to protect your belongings and peace of mind.
Protection Against Liability Claims
If a guest is hurt or you cause damage to someone else’s property, we’ve got you covered.
Coverage Away from Home
Your stuff is protected even outside your rental — like from theft during travel or car break-ins.
Renters Insurance FAQs
Because understanding your coverage should be simple.
What does renters insurance actually cover?
It typically covers your belongings, personal liability, and temporary living expenses if your rental becomes uninhabitable.
Is renters insurance required by law?
No, it’s not legally required, but many landlords require it as part of the lease agreement.
Will it cover theft or damage outside my apartment?
Yes. Most renters policies protect your belongings anywhere — whether they’re in your car, at the gym, or on vacation.
How much coverage do I really need?
It depends on the value of your belongings. We’ll help you estimate it and choose a plan that fits your needs and budget.