Frequently Asked Questions

  1. Do I need renters insurance if I don’t own much?

    The answer is simple – yes. You will be surprised when you add up the costs of your favorite couch, TV, clothes and computer. Are you able to replace them on your own?

  2. Doesn’t my landlord’s policy cover me?

    No. Your landlord’s policy covers the damage to the property you live in. However, it does not cover any of your personal belongings.

  3. What does Renters Insurance cover?

    It covers:

    • All your personal belongings up to your policy limits;
    • Personal liability in case somebody gets hurt on your premises or you unintentionally cause damage to someone’s else property;
    • Additional Living expenses if you are forced to temporarily move out due to a damage to your place;

  4. How fast do I get covered?

    You are covered on the date you indicate during the enrollment process. If it is the same day, then your policy activates the following day.

  5. How much coverage can I get?

    The coverage limits available for your area can be found on our website:

  6. Is renters insurance expensive?

    Not at all! On average it costs $10-$18 per month which is less than $1 a day.

  7. Why Renters Direct Protection?

    Renters Direct Protection is underwritten by an insurance leader who is rated “A” (excellent) by A.M. Best. The underwriter is a financially strong company with over 120 years of industry experience.

  8. Can I cancel my coverage?

    Absolutely! Just call us at (888) 922-5343 and we will refund you on pro-rata basis. For more information on our cancellation policy, please visit our website:

  9. Do I have to pay full premium upfront?

    No. We have several payment options available for you that range from monthly to paying the full premium upfront.

  10. What perils are covered under renters policy?

    Your personal property is covered in the event of:

    • Fire or Lightning
    • Windstorm or Hail
    • Theft
    • Vandalism, and more

  11. Is my jewelry, silverware or cash covered?

    In the event of a theft the coverage for those items is limited. However, that limit can be increased for an additional premium.

  12. What if I have a very expensive collectible?

    Unfortunately, we do not schedule any personal property at this time.

  13. What if I move to another state?

    You can transfer your policy to any state where we offer renters insurance. Currently we are available in 45 states.

  14. How do I file a claim?

    You just need to contact us at (888) 922-5344 and we will take it from there.

  15. What if I still have questions?

    Simply call us at (888) 922-5343. Our customer service team can be reached Monday – Friday 6:00 AM to 5:00 PM (PST), and Saturday 6:30 AM to 3:00 PM (PST).

Why renters insurance?
The landlords's insurance only covers the building, but your personal property is not covered.
Why insure my stuff?
I don't have expensive items.
Furniture, television, appliances, and clothing are personal property owned by renters. If you have a loss, how would you replace your property?
Why Liability Insurance?
You are responsible for any damage you do to your apartment and you are also liable for anyone that is injured as a result of your negligence.