What does renters insurance cover?

Renters insurance is an insurance policy that can cover theft, water backup damage, certain natural disasters, bodily injuries and more in a rented property. If you rent an apartment, home or even a dorm, renters insurance is recommended for protecting your space and belongings in the event of a covered accident.

Personal Property

Landlord insurance policies usually don’t take care of damage to a tenant’s personal property unless the landlord is found to be negligent. Renters Insurance will cover almost everything a tenant possesses including clothing, electronics, jewelry, and furniture in case of a burglary, severe weather or fire


The liability part of a renters insurance policy covers the tenant’s responsibility for another person’s injuries or financial losses in case the tenant caused an accident on the property.

Living Expenses

If the property becomes uninhabitable due to damage from a fire or a severe weather event, it’s common for hotel expenses or any additional living expenses to be covered.

Is renters insurance required in California?

While renters insurance is not required by law in California, some landlords may require it for you to live in their building. It’s generally a good idea to have at least some form of coverage as your landlord’s insurance is not liable for any damage to your personal property. So in the event of a fire, accident, or burglary you will be responsible for replacing your belongings.

How much renters insurance should I require?

Most landlords require $100,000 of coverage, but adding more is not expensive. For just a few dollars a year, you can get $300,000 or $500,000 of liability coverage on your renters insurance.

Kong Property Management Group provides property management and leasing services to the greater part of Silicon Valley. We specialize in single-family homes, condos, townhomes, duplexes, as well as apartment buildings. Based in San Jose, Kong Property Management Group is a local and family-owned business with over 15 years of combined experience in residential property management, real estate sales, and appraisal.