Learn More About Renters Insurance Even when you’re renting, your personal property deserves protection. What is Renters Insurance? Sometimes known as apartment insurance, content insurance, tenant’s insurance, or rental insurance, a renters insurance policy is coverage designed to protect those living in a rental house or apartment. A common misconception is that your landlord’s policy will cover you and your belongings. While your landlord’s property insurance covers the housing structure, it may not cover you or your belongings in the event of an accident. Why Do I Need to Have Renters Insurance? Renters insurance covers personal property—both inside and outside your residence. Sometimes it extends to the items inside your car or on your patio, and even what’s stored in your garage. Insurance for renters is considered essential because landlords are not responsible for your property. Accidents happen, and if you’re renting or leasing, purchasing a renters insurance policy is part of living responsibly. What is Covered by Renters Insurance? Renters insurance policies may cover items at the residence you are renting, like electronics, furniture and many other household items like bicycles, clothing and more. The best rental insurance policy covers damages or losses because of theft, vandalism, fire, smoke, water and more. Many items are covered whether they’re in and around your home or with you when you’re traveling. What Kinds of Damage Does Renters Insurance Cover? What Items Does Renters Insurance Cover? Fire Lightning Smoke Damage Windstorm Hail Theft Water damage from accidental overflows and water discharge from a plumbing system Damage caused by vehicles Visitor Injuries Electronics Furniture Clothing Bicycles Additional expenses if property is uninhabitable Medical Expenses How Much Renters Insurance Do I Need? To determine the amount of renters insurance you need, make a list of your personal property and its value. While basic policies can be similar, no two are exactly the same, and understanding what you’re getting, and what you’re not, is important. Your best bet is to talk to your Farm Bureau agent who can help guide you in determining how much renters insurance you need to cover your personal property. How Much is Renters Insurance? The average, quality renters insurance policy costs as little as two or three extra takeout lunches per month. In the event that you really need one, a renters insurance policy can save you thousands of dollars in losses and damages. Get a Renters Insurance Quote Currently insuring one in four Tennesseans and more homes and vehicles than any other agency in Tennessee, Farm Bureau Insurance has been offering policies since 1948. Renters insurance in Tennessee is available from Farm Bureau at low monthly premiums designed to give you maximum coverage. Though it’s not a legal requirement for Tennesseans, a rental insurance policy is recommended for those renting or leasing a home. Some landlords even require it, so don’t delay. Get your quote for renters insurance with Farm Bureau today Insurance Quote Auto Insurance Auto Insurance Home Insurance Renters Insurance Life Insurance Go Insurance Agents by Zip Go Search by City or County Fast Policy Service Pay My Bill Pay My Bill File A Claim Access My Account Customer Service Update My Policy Renew My Membership Go About Us FAQ Member Savings Tennessee Farm Bureau Buy Or Sell Stock Careers Agents By County Agents By City Farm Bureau Health Plans Auto Liability Collision Comprehensive Other Coverage Options The First Mile Youth Discount Auto Clause Home Farmowners Insurance Renters Insurance Commercial Property Insurance Property Clause Homeowners Insurance Life Term Life Insurance Whole Life Insurance Universal Life Insurance Annuities Policy Service Pay My Bill Customer Service Renew My Membership Access My Account Update My Policy File A Claim Leave A Review Contact Us Tennessee Farmers Insurance Companies P.O. Box 307 Columbia, TN 38402-0307 Customer Service Center 877-876-2222 © Tennessee Farmers Insurance Companies 2021 Terms And Conditions Privacy Policy