Rent the Home. Protect What’s Yours.

Your landlord generally insures the building and the landlord’s financial interest in the property. That doesn’t mean the landlord’s policy protects your belongings, your personal liability or your additional living expenses following a covered loss. Renters insurance is designed to help protect you.

Renters insurance generally isn’t required by law, but a landlord or property manager may require tenants to maintain coverage as part of the lease agreement. Even when it isn’t required, renters insurance can provide important protection for your belongings and personal liability.

That depends on what you own and the amount of protection you want. One useful starting point is estimating what it would cost to replace your furniture, clothing, electronics, appliances and other belongings after a major loss. Your Sky-Agent® can help explain available personal-property and liability limits so you can make an informed decision.

Renters insurance can help protect belongings stolen in a covered theft, subject to the policy’s terms, limits and deductible. Certain categories of valuable property may have special limits, so tell your Sky-Agent® about jewelry, collectibles or other higher-value belongings.

Depending on the policy and circumstances, personal-property coverage may extend to covered belongings while they’re temporarily away from your residence. Coverage limits and exclusions can apply, so check the policy or ask your Sky-Agent® about your specific situation.

Generally, no. Unrelated roommates usually need their own Renters Insurance policies. A Renters policy typically protects the named insured and certain resident family members who qualify under the policy. Simply sharing a House, Condo, Apartment or Mobile Home with someone does not automatically make that person insured under your policy. If you live with an unrelated roommate, each roommate should generally have their own Renters Insurance policy to protect their belongings and provide their own personal liability coverage. There can be differences between insurance companies and policies, so tell your Sky-Agent® who lives in the home and we’ll help make sure everyone is looking at the appropriate coverage. Sharing the rent doesn’t necessarily mean you’re sharing the insurance.

If a covered loss makes your rental temporarily uninhabitable, Loss of Use / Additional Living Expense coverage can help with eligible costs such as temporary housing and certain increased living expenses while you’re unable to live there.

Replacement Cost generally looks at what it costs to replace covered belongings with new items of similar kind and quality, subject to policy terms and limits. Actual Cash Value generally takes age and depreciation into account. That difference can significantly affect what you receive after a covered loss.

Yes. Many insurance companies offer multi-policy discounts when eligible Auto and Renters policies are written together. But the biggest bundle discount doesn’t automatically mean the lowest total insurance cost or the SkyBlue Insurance • Renters Insurance Page Content • September 2026 best overall coverage. Don’t just bundle. Shop the bundle.™ Your Sky-Agent® can compare available options and help you look at the bigger picture.

Yes, renters of eligible mobile or manufactured homes may have Renters Insurance options available. The important distinction is whether you own the home or rent it. If you own the mobile/manufactured home, you’ll generally need coverage designed for the home itself. If you’re renting the home, a renters policy may be appropriate. Tell your Sky-Agent® what you rent. We’ll help you take it from there.

SkyBlue is licensed nationwide. Available insurance companies and products vary by state and individual circumstances, but a Sky-Agent® can help shop the Renters Insurance options available to you.