It also provides coverage against theft of personal property. Types of coverage, premiums, minimum and maximum insured vary from company to company depending on size and location of the apartment, condition of the building, the number of unrelated people in the rental unit and other factors. Not many companies offer coverage to more than two unrelated people sharing an apartment or house. Premiums are quoted after you have answered quite a comprehensive list of questions. The information in this fact sheet can be used just as a starting point for your own research to find the most appropriate type of coverage.
Many students obtain tenant's insurance through their parents' homeowner's insurance policies.
The following is a list of agencies and insurance companies which offer tenant's insurance. The list is not complete and the inclusion of these companies on the list does NOT represent an endorsement. Remember that an insurance policy is a legal contract that defines the duties and responsibilities of both the insurance company and the consumer. Make an inventory of the contents of your home. Include furniture and major personal belongings and note prices and dates of purchase, where possible.