Protect the belongings you bring home
Your landlord’s policy generally does not insure your personal belongings. A renters policy can address your property and personal liability, subject to its terms.
What to review
Personal belongings
Take an inventory and discuss limits, deductibles and how covered items are valued.
Personal liability
Review available limits and circumstances that may be excluded.
Temporary living expenses
Ask when additional living expense coverage applies after a covered loss and what limits apply.
Compare before you choose
| Compare | Question to resolve |
|---|---|
| Lease requirements | Bring the required liability limit and any instructions for proof of insurance. |
| Belongings | List furniture, clothing and electronics. Compare valuation terms and special limits. |
| Temporary housing | Ask which additional costs may be covered when a covered loss makes the rental uninhabitable. |
Already insured? Share your current policy through Canopy Connect, or contact our team to arrange another way to provide your declarations page.
What to bring to the conversation
- Rental address and lease insurance requirements
- Current policy, if you have one
- An inventory or estimate of your belongings
Call our office or book a conversation. The team can explain which additional details are needed for your situation.
Questions before you choose
Does every damaged item qualify for replacement?
No. The cause of loss, exclusions, limits and settlement provisions matter. Ask about replacement cost and special limits for valuable items.
Can I review renters and auto together?
Yes. Bring both policies so the team can discuss your household’s coverage and any applicable discounts.
Renters in nearby communities
Renting in Mason or Lebanon? Our Springboro team can help you review your lease requirements, belongings and liability questions by phone, email or appointment.
Helpful consumer resources
General information is a starting point. Your policy documents, endorsements, exclusions and limits determine your coverage. Product availability and eligibility vary.