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Renters Insurance: Do I Really Need It?

Protect yourself and your personal possessions with renters insurance,
whether you live in on or off the installation. Many service members
aren’t familiar with renters insurance because it isn’t required by law,
unlike car or homeowners insurance. A lot of renters mistakenly assume
that the property owner’s insurance covers their personal belongings.

Renters insurance covers your property if you rent or subletting a single
family home, apartment, duplex, condo, studio, loft or townhome. Even
if you live in military housing, you may still want renters insurance to
protect your belongings.

Renters insurance coverage
Renters insurance can protect you in the following ways:

  • Covers the cost of repairing or replacing your personal belongings in
    case of fire or theft
  • May cover expenses (hotel, meals out, and laundry) if you have to
    leave your rented home during repairs
  • May include personal liability protection against lawsuits if someone
    is accidentally injured in your rented home
  • Provides coverage for your belongings if they’re damaged or stolen
    outside your home
  • May provide limited coverage for credit card fraud or check forgery
  • Gives continuous coverage as you move your military household
    goods in and out of on-installation and off-installation housing