Personal Insurance
Renters Insurance That Protects What You Actually Own
Your landlord's policy covers the building, not your stuff, so renters insurance fills that gap at a price most renters don't expect.
Renters insurance covers your personal property, your liability to others, and your cost of living somewhere else if your rental becomes uninhabitable after a covered loss. Your landlord carries insurance on the structure itself, but that policy stops at the walls. Everything inside, your furniture, electronics, clothing, cookware, and everything else you own, is your responsibility to insure.
A standard renters policy bundles three protections: personal property coverage, liability coverage, and loss-of-use coverage. Bittick shops these policies across multiple carriers so you get the right limits for what you own, not just the cheapest number on a quote sheet.
Your belongings and your liability deserve protection.
Renters insurance shields what you own and protects you if someone gets hurt in your place—and we'll help you find the right coverage.
What this coverage includes
Personal property coverage
This is the part of your policy that replaces your belongings if they are stolen, destroyed by fire, damaged by a burst pipe, or lost to another covered peril. Common covered events include fire, smoke, lightning, theft, vandalism, windstorm, and water backup from a drain or sump pump. Note that flood damage from rising water and earthquake damage are not included in a standard policy and require separate coverage. The limit you carry should reflect what it would actually cost to replace what you own, so a quick home inventory before you quote is worth the ten minutes it takes.
Liability coverage
If a guest slips on your wet kitchen floor or you accidentally start a small fire that spreads to a neighboring unit, liability coverage pays for the resulting medical bills, property damage, and legal costs up to your policy limit. Most policies also offer a no-fault medical payments option, which covers a visitor's minor medical bills regardless of who was at fault, and can resolve small incidents before they become claims. Your liability limit is a number worth discussing with us, because the default on a basic policy is often lower than what makes sense for your situation.
Loss-of-use coverage
If a covered event makes your rental uninhabitable, this portion of your policy covers the extra cost of living somewhere else while repairs happen. That means hotel stays, short-term rentals, restaurant meals you would not otherwise be spending, and similar out-of-pocket costs above your normal budget. Loss-of-use coverage pays the difference between what you were spending and what you are forced to spend, up to your policy's limit and time period, so understanding those caps before you need them matters.
What renters insurance does not cover
A few gaps are worth knowing upfront. Flood and earthquake damage each require a separate policy. Your car parked in the driveway or a shared lot is not covered by renters insurance; that protection lives on your auto policy. Roommates not listed on your policy are not covered, so if you share a place, each person typically needs to be named or should carry their own policy. High-value items like jewelry, musical instruments, or camera gear may have sub-limits that fall short of full replacement value; a scheduled personal property endorsement can close that gap.
Pairs well with
Flood Insurance
Standard renters policies exclude rising water. If your rental sits in a low-lying area near the Boise or Snake River drainages, a separate flood policy through the NFIP or a private carrier fills that gap.
Learn more ›Personal Auto Insurance
Your renters policy does not cover your vehicle. Auto insurance handles theft, collision, and liability tied to your car, including while it is parked at your rental.
Learn more ›Umbrella Insurance
If your liability exposure is higher than a standard renters limit, a personal umbrella policy layers additional coverage on top, protecting your wages and savings from a large judgment.
Learn more ›Scheduled Personal Property Endorsement
Jewelry, camera equipment, musical instruments, and collectibles often hit policy sub-limits fast. A scheduled endorsement individually lists and covers those items at their appraised value.