Good coverage
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.
View sample policy
This is a summary only. Please read your policy for full coverage details.
Personal property
Covered perils
We cover your personal property against a broad spectrum of perils (i.e. causes of damage/loss):
Fire, lightning, explosions, and smoke
Many kinds of water damage
Theft
Vandalism and riots
Wind and hail
Weight of ice/snow
Frozen pipes
Impact from vehicles and falling objects
Mold from a covered peril
Covered property
We cover your personal property anywhere in the world, including:
Worldwide coverage
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.
Replacement Cost
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
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:
Coverage Options
Standard coverage
Included with your property policy
- Standard covered perils
- Covers accidental damage
- Zero deductible
SUPERGOOD coverage
Optional upgrade that you can purchase
- Standard covered perils
- Covers accidental damage
- Zero deductible
Liability protection
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.
Guest medical
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.
Temporary housing
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.
What's not covered
Non-standard coverage
Accidental damage to your property is covered with an optional upgrade to SUPERGOOD.
Earthquake insurance is not included in your policy. We’re happy to get you covered through our partner, Palomar Specialty.
Covered elsewhere
Rising water, aka “flood” 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 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, and aircraft 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.
Risks we can’t cover
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.
Impossible to insure
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.