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Get to know your renters coverage options

Renters insurance protects your personal belongings and also protects you if you’re held legally responsible for injuries to another person or guest while they’re visiting your home. Learn more about the unique renters insurance coverages we offer below, then contact a local agent to discuss the right coverage for you.

Coverage Real-life scenario Standard Optional
Personal Property Coverage If your personal possessions—including furniture, clothing, and appliances—are damaged or stolen as a result of a covered loss, Safeco will arrange for them to be repaired or replaced. Yes
Liability Coverage Safeco will defend you if someone makes a claim against you for accidentally causing an injury or damaging property — for example, if someone is hurt in your yard or you damage property at someone else’s home. Yes
Additional Living Expenses Your home will be protected against losses from events such as fire or lightning; weight of ice, snow, or sleet; windstorms; hail; theft or vandalism; and more. Yes
Valuable Articles Coverage Extra coverage for high-value items such as jewelry, art, collectibles, or camera equipment. Yes
Personal Property Replacement Cost Coverage For just $2 a month, equipment breakdown coverage is a cost-effective way to keep critical household equipment up and running after mechanical or electrical breakdowns—which are often not covered under a standard homeowners policy.1 Yes

We offer so many more coverage options at Safeco. View all of our coverages below, then connect with a licensed independent agent near you to determine the best renters coverage options for you.

You could save money with Safeco’s renters insurance discounts2

Multi-policy Discount

Combine your renters insurance policy with your auto insurance to save.

Pay in full

Did you know that if you pay your premium in full, you’ll actually pay a lower rate over the term of your policy?

Choose a higher deductible

It’s not always recommended, but if you choose to purchase a policy with a higher deductible you’ll pay a lower premium.

Why purchase renters insurance?

Renters insurance may or may not be required where you live, but we always recommend it to ensure your stuff is protected. Not only that, it’s more affordable than you think.

Renters insurance covers:

Connect with a local agent to learn more about the benefits of renters insurance.

Common renters insurance questions

Looking for answers? Browse the most frequently asked questions below, or contact an agent to discuss renters insurance today.

Does renters insurance pay your rent if you’re unable to?

Renters insurance does not pay your rent. However, it may cover expenses related to temporary housing if you can’t live in your building while it’s being rebuilt or repaired after being damaged.

Is renters insurance expensive?

It usually costs a few dollars a month. It could cost a lot more to replace all of your stuff without the protection of a renters insurance policy.

Is your landlord responsible for insuring the apartment?

Your landlord is responsible for insuring the building, but not your personal belongings inside it.

What if your luggage gets stolen while you’re on vacation?

Your things are protected when they’re at home or with you anywhere in the world.

  1. Optional coverage. Subject to a deductible. May vary by state.
  2. Discounts and savings are available where state laws and regulations allow and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
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Mutual of Omaha
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