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🛡️ Renter Guides

Renters Insurance
Guide

Protect your belongings and liability with affordable renters insurance. Enroll through the platform, manage your policy, and provide proof of coverage to your PM.

Why Renters Insurance Matters

Your landlord's insurance covers the building — not your stuff.

What Renters Insurance Covers

  • Personal property — Furniture, electronics, clothing, and valuables damaged or stolen.
  • Liability protection — If someone is injured in your unit, or you accidentally damage the property.
  • Additional living expenses — Hotel and meal costs if your unit becomes uninhabitable due to a covered event.
  • Medical payments — Covers minor injuries to guests in your unit regardless of fault.
⚠️

What It Doesn't Cover

  • Flooding — Requires separate flood insurance.
  • Earthquakes — Requires separate earthquake coverage.
  • Roommate's property — Unless they're on your policy.
  • Car or vehicle damage — Covered by auto insurance.

Enroll in Renters Insurance

Get covered in minutes through the platform.

1

Go to Insurance

From your dashboard, go to Insurance in the sidebar or click the insurance card on your dashboard.

2

Get a Quote

Answer a few questions about your unit, belongings value, and coverage preferences. Get an instant quote — typically $10–$25/month.

3

Choose Your Coverage

Select your personal property limit, liability amount, and deductible. Higher coverage costs more but provides better protection.

4

Add Your PM as Interested Party

Your property manager is automatically added as an interested party. They'll be notified of your coverage status — fulfilling any lease requirements.

5

Pay & Activate

Pay your first month's premium. Your policy activates immediately. Download your proof of insurance to share with anyone who needs it.

Insurance Portal

Manage your policy from your renter dashboard.

myrentalspot.com/renter/insurance
🛡️ Renters Insurance
✓ Policy Active
Policy #MRS-2026-04821 · Renews Apr 1, 2026
📄 Download Proof
Manage Policy
Personal Property
$30,000
Liability
$100,000
Deductible
$500
Monthly Premium
$15.00
Interested Parties
JM
John Martinez — Riverside Apartments
✓ Notified of active coverage
Insurance Portal — policy details, coverage limits, and proof of insurance download

Typical Coverage Options

Customize your policy to fit your needs and budget.

🏠

Personal Property

$10,000–$50,000. Covers furniture, electronics, clothing, and valuables. Choose based on the total value of your belongings.

⚖️

Liability

$100,000–$300,000. Protects you if someone is injured in your unit or you accidentally cause property damage.

🏨

Additional Living

20–40% of personal property limit. Covers hotel, food, and expenses if you're temporarily displaced.

🩺

Medical Payments

$1,000–$5,000. Covers minor medical expenses for guests injured in your unit, regardless of fault.

Common Questions

About renters insurance.

It depends on your lease. Many PMs require proof of renters insurance. Even if not required, it's strongly recommended — it's inexpensive and protects your belongings and finances.
Yes. If you already have renters insurance, upload your proof of coverage and add your PM as an interested party. You don't have to use the platform's offering.
File claims directly through the insurance portal or contact the insurance provider. Document the damage with photos and a detailed description for faster processing.
Yes. Cancel from the insurance portal. Note that your PM will be notified if your coverage lapses, which may violate your lease terms.

Protect What Matters

Affordable renters insurance starting at $10/month — enroll in minutes.

myrentalspot.com