🏠 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

💡 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.)

📌 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).

🚫 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: 16/06/2025