Relax, you're covered. We cover your personal property worldwide, your liability for accidental property damage and bodily injury, medical payments for your guests' injuries, and temporary accommodations if your place becomes unlivable.
This is a summary only. Please read your policy for full details. See sample policy
Your coverage is not limited to the confines of your apartment. If your laptop gets stolen in a coffee shop while on a trip, we'll cover that too.
For a covered loss we will pay for you to buy a new, equivalent replacement. Some other insurers pay less to account for your item being used.
Deductible is the amount of money that will be deducted from a property claim payout in the event of a loss. It is applied only once per claim.
So if your $1000 iPad is stolen and your policy deductible is $250, the maximum we will pay is $1000 – $250 = $750.
See our zero-deductible options below:
Included with policy as described above
Optional upgrade to Standard Coverage
Optional coverage for individual high worth items
This coverage protects you if you get sued for accidental property damage or bodily injury. Critically, it also pays for the cost of your defense (lawyers' bills), even if you're found not liable.
If your landlord requires renters insurance, this is the coverage they're looking for.
This coverage pays your guests' medical bills if they are hurt at your place even if it's not your fault. Offering to help in such cases significantly lowers the chance of you getting sued. If you are sued, that’s what Liability Coverage is for.
Also known as "Loss of Use" coverage, this covers your living expenses when you can't comfortably live in your home due to a covered loss such as being flooded by your upstairs neighbor.
This coverage is often under-appreciated so we bundle it with property coverage for your own good.
Accidental damage to your property is covered with SUPERGOOD or ULTRAGOOD coverage.
Misplacement (losing your property) is covered with our ULTRAGOOD coverage.
Earthquake insurance is available in addition to your base Goodcover policy through Palomar, our Partner.
Rising water, aka "flood" – this is covered by a flood insurance policy from the National Flood Insurance Program, which we're unfortunately unable to offer.
Roommates – if they are not co-owners of your personal property, they should get their own policy. It's just $5. If they have a claim, you don't want that on your record, and things get messy when people move.
Vehicles, powered boats, electric scooters, aircraft – these should be insured with a dedicated policy, as Renters Insurance is not designed for powered vehicles. Electric-assist bikes are still covered as bicycles though.
Certain risk types simply don’t fit within our price-to-coverage model, so we and our capital partners decline to cover certain things, such as home daycare businesses, households with four or more dogs, and liability for certain breeds of dogs. During sign up we’ll clear this list with you to make sure you can join.
Certain risks such as wars, nuclear hazards, government seizures, injuries and damage intended by the insured, asbestos, and even plain old lack of maintenance break the math that makes insurance work. These events are either so catastrophic, so hard to predict, or so blatantly against the spirit of the policy that there's no way we could ever collect enough premium to cover them.