Personal belongings
Estimate the cost to replace belongings, not only their secondhand value.
PERSONAL PROTECTION
Renters
A landlord’s policy generally focuses on the building. As a renter, consider your belongings, liability to others and where you would stay after a covered loss.
UNDERSTAND YOUR OPTIONS
What this insurance may address
Protection for belongings inside the home you rent.
Personal liability
Compare limits for certain injury or damage claims from others.
Living expenses after a covered loss
Confirm which temporary expenses may be addressed after a covered loss.
A situation to consider
If a leak damages your furniture, the owner’s policy does not necessarily pay for your belongings; review your own options.
QUESTIONS WORTH ASKING
Start your quote with clarity.
- What would it cost to replace your belongings?
- What does the lease require?
- Which personal liability limits should you review?
PREPARE FOR THE CONVERSATION
Have these handy if available:
- Property address and occupancy
- Construction year and major improvements
- Current policy and renewal date
- Approximate value of belongings to protect
Our team can explain any additional information a carrier requests.
FREEDOM INSURANCE
You may also explore
PERSONAL
Flood
Specific coverage for physical flood damage, subject to the policy's definition.
Learn more ↗
PERSONAL
Jewelry & valuables
Specific protection for jewelry and valuables that may exceed home policy limits.
Learn more ↗
PERSONAL
Personal umbrella
An additional layer of liability above specified underlying personal policies.
Learn more ↗Learn more from official sourcesRead this official guide ↗
This is general information. Coverage, limits, exclusions, eligibility and pricing depend on the insurer and policy. Confirm your options with our team.