Renters insurance provide financial protection for personal property inside your apartment.
Renters insurance provide financial protection for personal property inside your apartment.

Renters Insurance

Renters insurance has three main components:

Liability Coverage

Personal Property Coverage

Additional Living Expense Coverage

Liability Coverage

If you or your household family members accidentally caused bodily injury or property damage to another person, the personal liability insurance on your policy will cover the following: 

Medical Bills

Lost Wages

Death Benefits

Pain & Suffering

Lawsuit Relating to An Accident

Property Damage As Result of An Accident

Coverage For Your Pets

According to the Insurance Information Institute, there were nearly 18,000 dog bite claims in 2019 and the average payout for a dog bite claim was $44,760. Dog bite claims remain as one of the top personal liability insurance claims year after year in the United States.

The financial protection afforded by your personal liability coverage also extends to injuries or damages caused by your pets including dog bites.

What Are Not Covered

Keep in mind that in order for your liability coverage to be activated, you must first be found liable for the cause of injuries or damages to a third party. 

When you carry liability insurance, not only does your insurance company have to launch an investigation to prove your negligence, but they also have the duty to defend you as its customer once negligence has been established. 

Nevertheless, there are certain exclusions under your personal liability insurance coverage we want to go over: 

Liability Involving Automobile Accidents

Intentionally Causing Bodily Harm or Property Damage

Injuries or Damages Sustained by You or Family Members Who Live in the Home

Business Activities Relating to Your Profession

Hi, I am Alice, agency owner.
My goal is to help you better understand your insurance coverages.


Hi, I am Alice, agency owner. My goal is to help you better understand your insurance coverages.


Personal Property Coverage

Personal property coverage is included for you to cover all of your belongings, such as:





Sports Equipment

Collectible Shoes

Protection Outside of Your Home

Depending on the type of renters policy you purchase, this coverage could also protect your belongings outside of your home. For instance, extra furniture stored at a storage unit or your laptop left in your car during dinner. 

Coverage Limit on Valuable Items

It is important to note that most renters insurance policies place a coverage limit on valuable items, such as jewelry, fine arts, golf clubs, collectibles, etc. If there are expensive items in your possession, you should speak to your insurance agent about adding a scheduled personal property coverage


Additional Living Expense Coverage

Another essential coverage on your renters policy is called additional living expense, also commonly known as loss of use. Just as its name says, this coverage will take care of additional living expense in the event that your unit is not livable due to a covered peril such as fire.

Examples of covered expenses:

Temporary Housing

Additional Expenses for Food

Additional Cost in Transportation

Pet Boarding Cost

Moving Cost

There is a limit to this coverage and it is specified on your policy either with a capped dollar amount limit (e.g. $10,000) or a specified time period (e.g. 12 months).

Every insurance company has its own guidelines. We always recommend talking to your insurance agent to discuss specific insurance topics in further detail. Working with an insurance agent is the best way to make sure you are properly covered.

How Can We Help?
Reliable Kirkland Insurance Agents

Frequently Asked Questions

What are your agency hours?
Monday: 9:00 AM - 6:00 PM
Tuesday: 9:00 AM - 6:00 PM
Wednesday: 9:00 AM - 6:00 PM
Thursday: 9:00 AM - 6:00 PM
Friday: 9:00 AM - 6:00 PM
Saturday: By Appointment
Sunday: Closed