🏠 What’s Included in a Standard Tenant Insurance Policy?

Hey! 👋 Here’s a quick breakdown of what’s included in your tenant insurance:

• 🛡 Core Coverage:
• Injury to others (liability): Up to $1M
• Damage to the place you rent: Up to $100K
• Medical bills if someone gets hurt at your place: Up to $10K
• You’re covered if something happens at your rental (but not if it happens to you)

🧸 Stuff That’s Also Covered (aka Endorsements):

• 🛋 Your belongings (personal property): Anywhere from $5K to $15K total (depending on the coverage selected, with a $500 deductible)
• 🐶 Pet-related damage (or bites): Up to $100K
• 🧼 Pet messes or accidents: $750
• 🧟 Biohazard clean-up (like after a death): $2K
• 🪳 Bed bug treatment (if verified): $1K
• 🍄 Mold/fungi issues (limited liability only): $10K

🔥 What kinds of things are protected?

With personal property coverage, you’re protected for damage or loss caused by:

• Fire, theft, leaks, vandalism, smoke damage, and more

Coverage generally applies to sudden and accidental covered events that occur after the policy becomes effective. Examples include fire, explosion, vandalism, theft, and accidental discharge or overflow of water or steam from a plumbing, heating, air-conditioning, sprinkler system, or household appliance. Theft claims require a police report number, along with a list of stolen items, approximate values, proof of ownership, and a description of what happened.

💡 Heads-up: If your unit becomes unlivable due to a covered event (like a fire or sudden water escape), you can use up to $4,000 of your personal property limit to help with temporary housing.

🔍 What’s not covered for accommodations:

• Voluntary moves
• Renovations not tied to a loss (like upgrades)
• Repairs due to excluded perils (flood, mold, etc.)

📌 Real-life example of what’s covered:
Your neighbor accidentally leaves the bathtub running or their toilet leaks, and it damages your stuff — your personal property coverage may help cover the loss (minus your $500 deductible) when the water escape is sudden and accidental.

Important water-damage limitation: Coverage may not apply to damage caused by ongoing or repeated water or plumbing problems, maintenance issues, wear and tear, or damage that develops over time. When reporting a claim, provide the date and cause of the overflow, whether it was a one-time event, any landlord or building-maintenance inspection or repair records, and photos of the damaged belongings and affected areas.

🚫 What’s not covered?

• Injuries to you or your household (coverage is only for injuries to others)
• Floods or earthquakes
• Business-related stuff (like damage to work gear or liability from side hustles — if you make money from it, it’s not covered)
• Intentional damage
• Roommate’s stuff (unless they’re family)
• Cars, pets themselves, or cash
• Property damage caused by pests (like bugs or rodents)
• Mold or fungi damage to your stuff

📄 Want to see the full policy details?
You can review the sample policy here:
👉 Download the Sample Standard Tenant Insurance Policy (PDF)

A Note About the Sample Certificate

Everything listed in the sample certificate represents coverages you will have under your policy.
If it’s in the document, you’re covered. ✅

Updated on: 17/08/2026