🏠 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*).

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🧸 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

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🔥 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

💡 Heads-up: If your unit becomes unlivable due to a covered event (like a fire or water damage), or if your landlord needs you to temporarily move out for repairs, 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.)

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📌 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 would help cover the loss (minus your $500 deductible).

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🚫 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 (unless you have the separate liability endorsement — and even that’s limited)

📄 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: 23/04/2025