Front Light Insurance

Renters Insurance Culver City

Renters Insurance

Renters insurance provides important protection, whether you’re renting an enormous single-family home or a 400-square-foot apartment. Our staff at FrontLight Insurance can help you understand what coverage you need so you can rest easy in your rental.

For Rent Culver City

Do I Need Renters Insurance?

You’ll only need renters insurance if your landlord or your building requires it. While not required otherwise, anyone renting any type of residence long-term—be it an apartment or single-family home—should strongly consider purchasing a renters insurance policy. For most tenants, renters insurance is an invaluable tool to protect against potentially devastating financial consequences. But wealthy tenants also have a need for renters insurance as a way to to mitigate the financial cost of damaging, unexpected events.

What Does (And Doesn't) Renters Insurance Cover?

Renters insurance covers costs associated with damage to or theft of your personal property, personal liability damages, emergency medical expenses for guests and additional living expenses if you need to temporarily locate. However, your insurer will not reimburse you for every event related to these coverages, as only certain events or “perils” will qualify for a claim.

We recommend anyone renting a residence to consider purchasing a renters policy as an affordable way to protect you from the financial impact of these events. If you already have renters insurance, read on to see what type of events a typical renters insurance policy covers.

What Is Personal Liability Coverage for Renters?

Personal liability insurance is the part of your renters insurance coverage that protects you if someone brings a claim or lawsuit against you for injury or loss of personal property. A typical renters or tenants insurance policy grants you $100,000 of personal liability coverage to go along with your personal property protection. However, you can typically choose your own limits when purchasing the policy.

In contrast to the personal property provision of your policy, your liability coverage does not apply to damage related to your own property. Instead, you would only use renters liability coverage if someone else files a claim or sues you for harming them or their property.

What is renters insurance?

Home insurance isn’t just for homeowners. It’s a savvy way for renters to protect their investment as well.

Tenant insurance explained

We often think of home insurance as protecting against the loss or damage of the big stuff—like pipes, appliances, and the physical structure of a home or building. If you’re renting, your landlord may have their own insurance policy to cover these kinds of items, but their insurance won’t cover your personal belongings, like furniture, entertainment equipment, or jewellery – like that expensive watch you got for your birthday.

Depending on the circumstances, the landlord’s insurance may not protect you if someone is injured in your home. Also, if you were found to liable for damages to the building the landlord’s insurance company could sue you to recover the cost of repairing or rebuilding the structure. Tenants insurance can offer you financial protection in these cases and more.

Tenants insurance covers your belongings against common risks such as theft, fire, loss and much more. It’s an easy and affordable way to protect your investment in your personal property. Coverage applies to your belongings that are both in your home and temporarily away, such as when you go on vacation. If your home becomes unlivable due to a covered loss, tenants insurance will cover any necessary and reasonable additional living expenses until you can move back in or find another place to live.

The coverage for civil liability will provide financial protection should you be sued for accidently injuring someone or damaging someone else’s property. Liability protection is often your best line of defense if you’re in named in a lawsuit or considered personally responsible for unintentional bodily injury or property damage.

Here are some frequently used tenant insurance terms worth knowing.

  •   All-risk: Insurance that covers your belongings for losses caused by a wide range of risks (or perils) aside from some explicitly mentioned exclusions.
  •   Personal Liability insurance coverage protects you for unintentionally injuring someone or damaging their property and having to pay damages. For example, if someone has a slip-and-fall in your unit, breaks their leg and now cannot work for a period of time
  •   Replacement Cost means that in the event of a covered claim, items will be repaired to their original condition or replaced with new items of like kind and quality with no deduction for depreciation
  •   Additional Living Expenses Coverage will help you pay for additional costs that are both necessary and reasonable (like hotel and food costs) in a situation where you are forced to leave your home following a covered loss.

Get Renters Insurance

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Want to apply for your renters insurance online? You can, with FrontLight Insurance. 


Make well-informed decisions with helpful advice. Talk to your advisor or find one near you – there is no cost to talk to an advisor.