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Renters Insurance Coverages

Customize your renters policy to fit your budget and lifestyle1

Protect what you own with renters insurance

You’ve invested money into your belongings – your clothes, jewelry, furniture and electronic items – they all add up. If you’re renting an apartment or house, you’ll need insurance to replace those items in case of theft or damage through unexpected events like fire or severe storms.

Standard renters insurance coverage2

Did you know that in most instances your landlord’s insurance will not protect your belongings? That could mean you’ll be left with large out-of-pocket expenses. Amica can help you select the correct amount of insurance at an affordable rate.

Here’s an overview of what Amica’s renters insurance includes:

Personal property coverage

Assists you with replacing your damaged or stolen possessions at home or while away, including furniture, clothing, credit cards and electronics.

Personal liability coverage

If someone is injured or has a personal item damaged while on your property, you may be liable to cover the associated costs, including medical payments. Liability coverage provides legal assistance against claims and will cover the cost of settling.

Loss of use coverage

If you’re unable to use your home due to damages, you may find your living expenses have increased. Hotel room, storage rental, even higher food bills all fall under this coverage.

Additional renters insurance coverage2

You can customize your coverage to fit your individual needs. Here are more ways for you to make sure you’re covered for the unexpected.

Personal property replacement

Provides full repair or replacement of your personal property, regardless of depreciation, up to your limit of coverage.

Scheduled personal property

This provides broader protection for a wide range of valuables such as furs, jewelry and fine art for incidental damage beyond fire and theft. Do you have a wedding or engagement ring? This coverage is right for you.

Smart devices and computer

This provides protection for your computer, laptop, tablets and/or smartphones.

Identity fraud

With this coverage, you'll be reimbursed for unauthorized use of your identity, including credit card usage, up to your coverage limit.

Protect your identity

Get a free, no-obligation insurance quote today!

Find out just how reasonably priced renters insurance can be.

Get a Renters Quote

or call 800-242-6422

Questions about coverages?

Call us today at 800-242-6422

1 This product is not available in AK and HI.

2 This information for educational purposes only. Please refer to your policy documentation for specific details regarding your coverage. Prices may vary by state.