Rental insurance policies typically provide basic protection for your property. But they may not provide all of the protection you want or need. Consider these apartment renters insurance options, tailor a policy that’s right for you and get a renters insurance quote today!

Learn more about apartment renters insurance policies Personal liability Covers bodily injury and property damage to others caused by your actions and/or negligence.

Medical payments (Med Pay) Pays for others' medical expenses resulting from an accident on your property. This coverage on your apartment renters insurance policy will not apply to you or regular residents of your household.

Extended replacement cost on contents This renters insurance policy pays to replace or repair personal property without depreciation being taken from the value of the property.

Water backup This coverage protects you against losses caused by water that backed up through sewers or drains. (This is not flood insurance.)

Ordinance or law Pays for increased expense to rebuild due to current building codes or ordinances.

Credit card Pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card. This renters insurance coverage also applies to forged checks and counterfeit money.

Jewelry, watches, furs Pays for the physical loss of jewelry, watches, furs, and precious and semiprecious stones.

Firearms Pays for the physical loss of firearms and accessories.

Extended replacement cost Pays full replacement costs without depreciation for covered personal property losses.

Personal injury liability This renters insurance coverage policy provides coverage for damages awarded to others due to injuries such as false arrest, libel, slander and invasion of privacy for which you are responsible.

Theft extension Provides extended protection for your personal belongings stored away from your home in or on any motor vehicle, trailer or watercraft.

Earthquake and volcanic eruption Pays for losses to your property caused by earthquake or volcanic eruption.

Building/Additions/Alterations Pays for damages to additions, alterations, fixtures, improvements or installations that you make to your residence on your apartment renters insurance coverage.

Loss of use Provides reimbursement up to the limit specified on the policy for additional living expenses resulting from being unable to live in your home.

Money Pays for the physical loss of money, bank notes, bullion, gold other than goldware, silver other than silverware, platinum, coins and medals.

Hurricane Provides renters insurance coverage for property damage resulting from a hurricane. However, this coverage may be subject to special terms, conditions and deductibles in coastal states.

Windstorm or hail Provides coverage for property damage resulting from windstorms, hail and tornados.