Does Renters Insurance Include Theft? 
If you 're insured with a reputable company and a good agent , your renters policy should include theft . All a renters policy is is a homeowners policy without the building coverage . It 's there to cover your stuff and your liability . It 's rare , but there are companies that offer coverage that may not include theft . This coverage form is called `` Basic Form '' and it will not cover theft . Never , never , never accept a policy written on a basic form for your renters coverage . The most common form is Broad Form , and it will cover theft . Most companies and agents will use this when writing your renters policy . Do n't accept anything less . 