Goodcover
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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.

This is a summary only. Please read your policy for full details. See sample policy

Personal property

Covered perils

We cover your personal property against a broad spectrum of perils (i.e. causes of damage / loss):
Fire, lightning, explosion 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
A few more esoterics like Volcanoes

Covered property

We cover your personal property anywhere in the world, including:
Jewelry & Watches
Computers, tablets, smartphones
Furniture, clothes, housewares
TVs & game consoles
Cameras
Bicycles, scooters, e-bikes
Musical instruments
Art & collectibles
Replacement of important documents
Worldwide coverage
Replacement cost
Deductible

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

Included with policy as described above

yesStandard Covered Perils
noCovers Accidental Damage
noCovers Misplacement
noZero Deductible

SUPERGOOD

Optional upgrade to Standard Coverage

yesStandard Covered Perils
yesCovers Accidental Damage
noCovers Misplacement
yesZero Deductible

ULTRAGOOD

Optional coverage for individual high worth items

yesStandard Covered Perils
yesCovers Accidental Damage
yesCovers Misplacement
yesZero Deductible
Upgrades are very affordable. For example, insuring your laptop with our best ULTRAGOOD coverage costs less than a dollar per month.

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

Covered with an upgrade
Covered elsewhere
Risks we can't cover
Impossible to insure

Covered with an upgrade

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.

Covered elsewhere

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.

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.

If , you're good.

Goodcover

© 2020 Goodcover Insurance Solutions, LLC. Licensed in CA #0M20813

Goodcover Insurance Solutions, LLC (Goodcover) is an insurance agency licensed to sell property-casualty insurance products. Goodcover will receive compensation from insurance carrier partners for such sales. Refer to the Legal Notices section for additional information.

Issuance of coverage is subject to underwriting review and approval. Coverage may not be available in all states. Please see a copy of the policy for the full terms, conditions and exclusions. Policy obligations are the sole responsibility of the insurance carrier listed in your Policy Declarations. Coverage scenarios are hypothetical and shown for illustrative purposes only. Coverage is dependent on the actual facts and circumstances giving rise to a claim.