The key benefits of renters insurance

Here's how our partnership with Sure streamlines the renters insurance process

Pease of mind for landlords

Peace of mind for landlords

Avoid any legal complications or issues during the lease by requesting tenants to purchase renters insurance.

Protection for the tenant

Protection for the tenant

Renters insurance is different from landlord's property insurance. With renters insurance, a tenant can get protection for their belongings and liability.

Attract quality tenants

Attract quality tenants

Tenants who purchase renters insurance tend to take better care of their belongings and where they live.

RentSpree + Sure

Here's what's covered with a policy from Sure.

Personal Property

No matter where in the world, tenants are covered if personal belongings are damaged.

Personal Liability

In the event of bodily injury or damage to someone else’s property for which the tenant is legally liable, there is protection with no deductible for coverage.

Sewage or Drain Backup

Coverage for personal property damaged as the result of a water backup of sewers or drains.

Loss of Use

In the event that the property becomes unlivable, costs relating to housing and increased living expenses will be covered.

Replacement Costs

If personal property is damaged by a covered peril, Sure will pay to replace the item without deduction for depreciation since it was purchased.

Identity Fraud

Identity Fraud Expense Coverage is an endorsement to the Renters Insurance Program that helps cover the cost and time it takes to restore an identity.


Frequently Asked Questions (FAQ)

Although not required by state law, a standard renters insurance policy is the only way your tenants can protect their belongings, because your rental property insurance won’t cover their personal property. It can also protect a renter from having to pay out of pocket for other common incidents like water backup damage and certain natural disasters – which helps you protect your investment.

Rental insurance for an investment property will vary, but policies will generally cover the dwelling or structure of your property, contents of the property belonging to the landlord, liability coverage and loss of rental income. Much of its coverage is similar to that of homeowners insurance, though it has unique features that homeowners insurance lacks and which account for the added risk of having tenants on your property.

The short answer is 'no'. The best landlord insurance covers the property that is used to service the rental property, while renters insurance covers the property owned by the tenant.

There are two clear differences here.

For landlords, rental insurance protects the property owner against damages not caused by the tenant.

Renters insurance cost covers the need to replace damaged items that belong to the tenant. If your tenant's apartment is damaged by natural causes or if your unit is burglarized, the tenant can claim reimbursement on the actual cash value of the items damaged or stolen.

We'll keep it short and sweet. Renters Insurance is usually an inexpensive way to protect a tenant's personal belongings against things that are outside their control.

Here's how it works

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Content and associated insurance products are provided by Sure HIIS Insurance Services, LLC (“Sure”), a licensed seller of insurance. The above does not in any way constitute an endorsement or referral by RentSpree of Sure’s products or services.