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Renters claims process
Filing a claim is fast and easy. To get started, all we need is an approximate incident date and some details about what happened. We’ll contact you if we need more information.
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What's typically covered
Personal Liability and Medical Payments to others
- This coverage helps pay for damages and/or injuries to others. It can also help pay for legal costs if you're sued in some situations.
Personal Property coverage
- This coverage helps protect your belongings. This can include things like your furniture, clothing, and electronics. It may also cover some things outside of your rental.
Blanket Jewelry coverage
- Gives you a dollar amount of coverage specific to your jewelry separate from your Personal Property coverage.
Earthquake
- Covers damage to personal property caused by earthquakes.
Additional Living Expenses/Loss of Rent
- Covers any necessary increase in living expenses incurred by you and your house so that you can maintain their normal standard of living.1
Should I file a renters claim?
Deciding whether to file a claim is entirely up to you. A couple things to consider are
- If the estimated cost of repairs is less than or about equal to your deductible amount, it might not be worth filing
- If you feel at all unsafe living in your home, you should consider filing
Check out more resources for deciding if you should file a claim.
How does my deductible work?
For a covered claim, you'll be paid the actual cash value of the property damaged minus your deductible2 (varies by policy/state). We calculate actual cash value by using the replacement cost less depreciation; however, additional payments may be made for policies with replacement cost coverage.
What you’ll need to file a renters claim
In general, we may ask for:
- When and how the damage happened
- A list of damaged property including the make, model, age, and condition of each
- Photos of the damage
- Important documents like estimates, reports for experts (ex., plumbers), and receipts for any repairs completed
Why file online?
- File on your time: You can file online 24/7, with no holds or wait times
- Takes 10 minutes or less: We simplified the experience to get you back to your routine faster
- Track and manage everything: Easily track and manage your claim online, right from your phone
Understand the renters claims process
Whether you file online or over the phone, we'll guide you through each step and let you know what information we need.
File a renters claimAny damage to your home and/or injuries will need to be reviewed. In some cases, only photos are needed.
If possible, we'll complete a review of your home and personal belongings over the phone. Sometimes, we may need to come to your home to complete a thorough review of the damages.
You're responsible for paying your deductible amount toward your repairs. After that, we cover the rest of the cost, up to your chosen limits.
Get updates about your claim, as they happen, and move things along when you manage your claim online.
Check your claim statusDownload our app to file and manage your claim faster
Download our mobile app-it's the easiest way to manage your policy
- Easily file and track your claim
- Take damage photos for an estimate
- Call 24-Hour Roadside Assistance
- Make policy changes
- And more
Open the camera on your phone, hold it up to the QR code, and tap the link to download