What Types of Events Does Renters Insurance Cover?

Most people know that renters insurance is a good idea, but many are unsure what it covers. Renters insurance is actually a very broad policy that protects you against many different types of perils. Here are the most common perils covered by renters insurance.


Believe it or not, theft is one of the most common potential problems for renters. You might think you don’t have much worth stealing, but that doesn’t mean other people won’t try to take advantage of that. The good news is that renters insurance covers theft and will replace what you’ve lost—including your laptop, camera, and other valuables.

Fire Damage

Renters insurance covers fire damage, both from your stove or other appliances and from a fire in another apartment. You can also get coverage for any damage resulting from smoke and soot. However, remember that this coverage does not apply to intentional fires, whether you set them or someone else does.

Water Damage

Water damage is another pretty common problem for renters. This can happen if a pipe bursts, a sink overflows, or you’re just dealing with an old building that has problems with its plumbing. Either way, your renter’s insurance policy covers water damage repair and replacement.

Personal Liability

If someone else is injured on your apartment’s premises, you could be responsible for compensating them. That includes anyone who slips and falls or has their luggage stolen from the lobby. You can also be accountable for damage to the building itself if it results from something you did wrong. Fortunately, personal liability is usually covered by renters insurance policies, so you don’t have to worry about paying for someone else’s injury.

Need Insurance in Kissimmee, FL

Renters insurance is a good idea for most people. It protects you against many potential dangers that arise when renting, including theft, fire damage, water damage, and personal liability. For more information about renters insurance coverage in Kissimmee, FL call Familia Insurance Agency. We are committed to helping our clients find the right coverage for them, so give us a call today.