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Renter's insurance, commonly referred to simply as rental H04 insurance, is an insurance policy that covers tenants from loss of personal property. It does not cover the actual house or apartment that is being rented; that property is covered by the landlord’s insurance policy. It is a comparatively inexpensive policy that provides beneficial coverage and security in times of crisis. Once the value of personal property, such as clothes, electronics, televisions, jewelry, computers and more, begin to be accounted for, a person realizes the amount is normally higher than they first believed.

Disasters Covered

Renter's insurance covers renters from loss of personal effects from 17 + different disasters. Floods and earthquakes are generally not covered under this policy. The following is a list of a few of the disasters that are covered under renters insurance:

  • Fire & smoke damage
  • Wind, hail & lightening
  • Explosions
  • Falling objects
  • Riots & civil commotions
  • Damage by vehicles & aircrafts
  • Theft
  • Volcanic eruption
  • Weight of ice, snow & sleet
  • Water damage from utilities
  • Electrical surges
  • Vandalism & malicious mischief

Unlivable Conditions

If your rental home becomes uninhabitable due to any reason covered by your H04 insurance policy, your renter’s insurance will normally cover your additional living expenses. Usually, this means that they will pay for you to live somewhere else until your home returns to livable conditions.


Most renter’s insurance policies offer liability protection. This coverage protects you if someone in your home slips and falls and requires medical attention. You would be covered for any related costs, up to your liability limit. Also, if you are sued by this person, you are covered for the court judgment they win and related legal expenses up to your policy’s limit.

Actual Cash Value or Replacement Cost

You should be aware of whether the insurance company offers actual cash value (ACV) or replacement cost coverage for your property. ACV coverage will pay for only what the property was worth at the time that it was damaged or stolen. Replacement cost coverage will pay the amount it costs to replace the items in the current market, minus the deductible of course. Replacement cost coverage will cost more in premiums, but since it will also pay more if you ever have to file a claim, it can be worth the extra monthly expense.

Download a home inventory checklist (PDF).

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