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Who Does Renters Insurance Cover

Updated October 5, 2020 . AmFam Team

Ever wondered who exactly is covered by your renters insurance? From kids and pets, to roommates and guests, find out who your policy is working to protect.

Thinking about getting renters insurance for your new place? Smart move — there are many benefits! Not only will it protect your possessions, but it helps protect the people you love as well.

Renters insurance works to protect your personal property and the people in your life in a variety of situations. Let’s take a look at who is covered with renters insurance — so you know how it all works.

Does Renters Insurance Cover My Kids?

Are kids covered under your renters insurance? You bet! Your children, if residents of your household, are generally covered by your renters insurance.

Your renters insurance policy can help provide financial protection against covered liability claims and lawsuits for accidental bodily injury or damage to property caused by your children. For example, if your child throws a baseball through a neighbor’s window, your renters insurance liability coverage could help cover the costs of replacement.

Does Renters Insurance Cover My Spouse or Significant Other?

If you and your significant other live together — married or not — getting protection for the stuff you own together, along with liability coverage, is easy. Simply list both of your names on a policy, and your insurance can take it from there.

If you have not entered a domestic partnership or civil union with your significant other, they will not be listed on your renters insurance policy. Reach out to your agent to add your significant other onto your policy.

Does Renters Insurance Cover My College Student?

If your child is away at school, some renters policies will cover their possessions while living both on campus or off campus. However, it is recommended that students should have their own renters policy. This type of coverage varies from company to company, so be sure to ask your agent to see if your policy qualifies. Read more about why your student may need their own renters insurance.

Does Renters Insurance Cover Roommates?

If you have a renters policy, your roommates’ things are not automatically covered — unless they’re actually listed on the policy. However, it’s important to note that insurance laws vary by state, which means that some insurance companies can allow multiple roommates’ names to be listed on one insurance policy, where other states don’t.

There are some exceptions of course, so it’s always a good idea to talk with your agent to get all the rules on your specific policy. Get the 411 on roommates and renters insurance.

Does Renters Insurance Cover My Guests?

What about the people who don’t live with you? Renters insurance has their back too! Should an accident occur in your home and one of your guests is injured — if you’re at fault — your renters liability coverage will kick in to help cover their costs. This can include helping to pay for your guest’s medical bills, such as ambulance or hospital bills.

If your guest’s personal property is stolen while staying at your home, your renters insurance may be able to cover the costs to replace stolen personal items, subject to policy limits.

Does Renters Insurance Cover My Pets?

Last but not least, let’s talk about your furry little friends. Most renters insurance policies cover specific things your pets may do in the liability portion of the agreement — say if your dog bites someone or a guest trips over them.

Some insurance companies offer optional pet coverage that may help with expenses if your pet is injured in or succumbs to a covered event. Connect with your agent to learn more about renters coverage for your pets and its limitations.

Get the Renters Coverage You Need

Still have questions about the people or pets your renters policy might protect? It’s best to talk with your American Family Insurance agent, who will happily explain just who is, and who isn’t, covered. Then rent with peace of mind knowing you’ve got protection on your side!

Are you renting and need insurance? Check out our renters insurance and get the coverage you need today.

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