Renters insurance in Ohio
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Frequently asked questions
A renters policy generally covers your personal belongings against risks like fire, theft, and certain kinds of water damage, provides liability coverage if someone is injured in your home or you damage someone else's property, and helps with additional living expenses if a covered loss makes your rental uninhabitable.
No. Your landlord's policy covers the building itself and the landlord's liability. It does not cover your furniture, electronics, clothing, or anything else you own, and it does not cover your personal liability.
Insurers commonly look at where you live, the amount of personal property coverage and liability coverage you choose, your deductible, the type of building and its safety features, and your claims history.
It isn't required by state law, but many landlords require it as a condition of the lease, often with a minimum liability limit. Check your lease before you shop.