Protection for what makes your space feel like home.
Renters insurance can help address qualifying personal belongings, certain liability claims and other covered losses. Trinity can help you review available policy choices and carrier requirements.
Your landlord insures the building. Your belongings are another matter.
A landlord’s property policy and a renter’s policy serve different purposes. Renters insurance is designed around qualifying personal property and liability needs of the person renting the home.
Policy limits, deductibles, exclusions and available coverage differ by carrier.
What may a renters policy include?
Coverage differs by carrier and policy. These are common categories found within renters insurance.
Personal Property
Coverage for qualifying belongings according to the policy’s terms, limits and exclusions.
Personal Liability
Coverage may apply to certain covered claims involving injury or property damage for which an insured is liable.
Loss of Use
Certain policies may provide qualifying additional living expenses after a covered loss.
Medical Payments
Some policies provide limited medical payments coverage for qualifying injuries to other people.
Certain Theft Losses
Personal property coverage may apply to qualifying theft losses subject to policy conditions.
Certain Covered Damage
Qualifying belongings may be covered when damaged by a cause of loss included within the policy.
Start with where you live and what you keep there.
Details about the rental, your belongings and household can help frame the insurance conversation.
Property location can affect carrier availability and policy terms.
Apartment, house or another rental type may be part of the application.
Consider the belongings you would want included within the policy.
Discuss available liability limits and policy conditions.
Landlord insurance and renters insurance are not the same.
The owner of the property and the person renting it generally have different insurance needs.
Landlord Insurance
A landlord policy is generally centered on the rental property owner’s building and qualifying landlord-related risks.
Renters Insurance
A renters policy is generally centered on the tenant’s belongings and qualifying personal liability risks.
Think beyond the furniture you can see.
Personal property can include many of the everyday items kept in your rental. Policy limits and special limits may apply.
Qualifying household furniture may fall within personal property coverage.
Computers, televisions and other qualifying electronics may be included.
Qualifying clothing and personal items may be included.
Certain categories of property may have special limits or require additional coverage.
Details worth reviewing before selecting coverage.
Property Limits
Review the amount of personal property coverage included within the policy.
Deductible
Understand the deductible that may apply to qualifying property claims.
Liability Limit
Review available personal liability limits and policy conditions.
Exclusions
Read policy exclusions and limitations before selecting coverage.
A simple place to start.
Basic rental and personal information can begin the renters insurance conversation.
Tell us where you rent.
Share the rental address and basic property information.
Consider your property.
Think about the belongings you want included within the policy.
Review policy choices.
Discuss available limits, deductibles and liability options.
Select your next step.
Review the available policy information before making your coverage decision.
Common questions.
Policy terms, limits and exclusions vary by carrier.
Renters insurance commonly includes personal property coverage, personal liability coverage and certain additional living expenses, subject to policy terms.
A landlord's property policy generally centers on the landlord's building and related property interests. A tenant's personal belongings usually require separate renters coverage.
Many renters policies include personal liability coverage for certain covered claims, subject to policy limits, conditions and exclusions.
No. Coverage applies according to the causes of loss, conditions, limits and exclusions stated in the policy.
Information may include the rental address, property type, occupants, requested property and liability limits, prior coverage and other information requested by the carrier.
Coverage availability, eligibility, policy terms, limits, deductibles, exclusions and underwriting requirements vary by carrier, state and customer. The examples on this page are general and do not determine whether a specific loss is covered. Insurance products are subject to the terms and conditions of the policy issued. Contact Trinity for product availability and coverage details.
Protect the things that make the space yours.
Tell Trinity about your rental and insurance needs to begin reviewing available renters policy options.