You've Got Questions and We Have Answers

Frequently Asked Questions

How do I file a claim?

File claims using the provided QR code or by visiting here.

Can I get a policy for less than a year? How about more than a year?

Right now we only offer yearlong policies. But if your lease is shorter than a year, just make sure you set a reminder to cancel (we won't charge you any penalties or fees). Have a longer lease? We automatically renew your policy each year so you don't have to worry. 

Does my landlord require a minimum amount of coverage?

If you're in one of our partner communities you don't need to worry about the minimum liability coverage you're required to have. Our policies are custom-made for you, so you know you’re getting the right protection.

What does Renter's insurance cover?

Renter's insurance is made up of three different types of coverage: personal property coverage, which covers your personal property if it is stolen or damaged by a covered peril (like fire, vandalism, or short-circuit damage); liability coverage, which protects you if you damage someone else’s property or cause someone injury; and loss-of-use coverage, which covers the cost of living elsewhere if your home becomes temporarily uninhabitable.

Are roommates covered under Renter's policies?

Unfortunately not. Insurance only covers you, and the property you legally own. When living with roommates, we recommend asking them to get a renters policy as well.

Is my spouse covered?

The short answer is yes, but we suggest adding their name to your policy. You'll be happy to know that your renters policy automatically covers all residents of your household who are related to you by marriage, blood, or adoption.