Renters insurance is an agreement between you and your insurance company that typically covers your personal belongings as well as certain types of incidents you may be held liable for, such as injuries at your residence or property damages you may cause.

Renters insurance protects your belongings, provides liability coverage, gives you peace of mind, and some apartment communities and property managers may require it. Get Covered partners exclusively with carriers AM Best rated A- or higher, so your coverage is always backed by a strong, financially stable insurer.

Standard coverages - These are the coverages offered in most states. Coverages, limits and options may vary by state. Note: Generally, insurance does not cover maintenance or normal wear and tear.

Our standard policies extend coverages to your personal belongings that include:

• - Clothing
• - Electronics (TVs, DVD players, etc.)
• - Furniture
• - Toys/other games 
• - Tools/power equipment
• - Appliances you brought into your place (refrigerator, washer/dryer, etc.)

Some belongings have sub-limits or per-item limits. This is detailed in your policy documents. If you have expensive items, please contact your insurance agent to get additional coverage, if needed. If this is for a Get Covered policy please fill out our policy update form: Click Here

Other terms to note within your policy:

Replacement Cost: If you have added this to your policy, then this provides coverage on a replacement cost basis without deduction for depreciation instead of actual cash value.

Personal liability: If you are found legally responsible for injury to another person or damage to another person's property, this coverage may help pay for those damages, up to your policy's liability limit. This may include liability related to pets, though some policy exclusions or limitations may apply.

Medical payments: If a guest is injured at your residence, medical payments coverage is designed to help pay their medical expenses up to the medical payments limit stated in your policy.

Perils: Renters Insurance typically covers a range of perils to cover your personal belongings. Please refer to your policy documents for the full list.

Some commonly covered perils include:

• - Fire and smoke
• - Windstorm and Hail
• - Personal Liability Coverage

Standard exclusions include the following:

• - Earth Movement
• - Flood Damage
• - Power Failure
• - Neglect
• - Intentional Loss
• - War
• - Nuclear Hazard
• - Ordinance or Law or Governmental Action

In addition, these are some additional exclusions, limitations, and/or reductions in regards to coverage. Please note endorsement availability and limits are subject to change and vary by state. Refer to your policy documents for your specific coverage:

Policies do not automatically cover the following:

• - Flood damage – may be available for purchase
• - Equipment breakdown/wear and tear
• - Accidental misplacement of personal property

Please note:

• - Limitations exist on coverage amounts for jewelry, guns, silverware, cash, coins, certain types of collections, art and computers/equipment.
• - Property and Liability Coverage for automobiles, watercraft and aircraft is limited or excluded.
• - Replacement Cost property claims are settled on an Actual Cash Value basis until you repair or replace the property.
• - Losses to insured property intentionally caused by an insured are excluded.
• - Losses to the dwelling caused by water or sewage from outside the dwelling that backs up through sewers and drains are excluded. - may be available for purchase for personal property

Deductible: Your deductible is the portion of a covered loss you are responsible for before your insurance pays the rest. For example, if you selected the $250 deductible and a fire damages your $1,000 couch, you would pay the first $250 and your insurer would cover the remaining $750.

There are optional coverages that may be available in your state, such as identity theft protection. As you go through the quote flow, you will review applicable coverages. Below include a few examples:

Water Backup Coverage: Our renters insurance policy offers protection for damage to your personal property caused by water that backs up through sewers or drains. In some states, the coverage amount may vary.

Pet Damage: This endorsement provides coverage for property damage caused to the landlord's property by a pet, beyond what is covered by a security or pet deposit.

Identity Theft Protection: This optional coverage helps protect you from the costs and complications of identity theft. Please note this is not available in North Carolina.

Yes, spouses and family members under the age of 18 are automatically covered while residing at the insured premises. However, if family members are on this policy, you may want to review your current coverage limit.

Your contents coverage limit applies to the total personal property covered under the policy, regardless of how many insureds are listed. If you're adding a roommate, you may want to review your current coverage limit.

Get Covered provides a clear breakdown of your coverage selections before checkout. You can adjust the coverage type, limits, deductible, and start/end dates. After you pay, your finalized policy is issued instantly and will be sent to you via email.

Once you choose and set up your policy, you can pay with your credit or debit card. Your payment will automatically be charged each month on the same date as your first transaction, unless stated otherwise.

Absolutely! You can purchase your new policy, then call your current carrier to cancel your existing policy. Make sure there is no lapse in coverage dates when making the change.

A credit report is not run during the time you purchase your policy and has no effect on your premium rate.

Basic Information

To update your name, email, or phone number, simply log into your account and visit the Profile section.

Renters Insurance

To make changes to your Renters Insurance policy, such as updating your address or adding an insured, please use the policy change form: Click Here

To file a Renters Insurance claim, log onto your account, click on “Claims”, and complete a claims form. You can also reach out to a Renters Insurance specialist.

To cancel a Renters Insurance policy, log into your account, visit the "Policies" section, find your policy and click on the 'Cancel Policy' button. This will take you to our cancellation form. Once this is filled out it will be sent to our team to process. You can also reach out to a member of our support team.

To edit your payment information for a Renters Insurance policy, log into your account and visit the ‘Payment Methods’ section. When you re-enter your payment information, it will automatically update for any future payments.

On the login screen, click the ‘Forgot Password’ button, which will trigger an email to reset your password.

General Support

• Claims: Submit a Claim

• Email: support@getcoveredinsurance.com

• Hours: Monday - Friday 9am - 9pm EST and Saturday 12am - 8pm EST

Yes we are! We offer Renters Insurance (HO4) and tenants legal liability (TLL) for residential properties, Rent Guarantee options for tenants and property managers, and Business Owners Policy (BOP) for small businesses.

Get Covered policies are purchased through our website. To get an accurate quote, fill out the form for your interested coverage.

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