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Renters insurance coverage with Root

Learn how renters insurance protects you, your stuff, and visitors.

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Items covered by renters insurance like a TV and bicycle

What is renters insurance?

If you rent your living space, renters insurance is an important protection against the unexpected. (You should also be sure to have any insurance coverage required by your landlord.) Renters insurance typically breaks down into two categories of coverage: Personal Liability and Personal Property. Read more about these below.

Coverage for you and your guests

Renters insurance provides legal and medical protection if a guest is injured visiting your home or apartment.

Personal Liability coverage

Personal Liability (also called Renters Liability) helps protect you legally if someone is unintentionally injured inside your rented home or apartment, or outside your living space because of negligence (such as the person falling on a broken step). It also protects you if you accidentally damage the building your rental is in. 

Example: A friend comes to visit and trips on your indoor welcome mat, spraining her wrist. She sues you for the damages. Though the situation is unfortunate, Personal Liability is there to help you out with your legal costs.

Example: While cooking, you accidentally start a fire that damages your neighbor’s apartment. If they sue you, Personal Liability coverage will help cover your legal costs. 

Personal Liability is not meant to protect your landlord or the property owner. And, if you operate a business out of your home, anything that happens related to your business is not covered under your renters insurance policy.

Medical Expenses for Others

Medical Expenses for Others is a coverage used when someone is injured on your property and has medical expenses as a result of the injury.

Coverage for your stuff and your space

Renters insurance protects your belongings at home and away. It also covers housing expenses if you can’t stay in your place. 

Personal Property coverage

The property inside your rented living space is covered with Personal Property coverage. This includes electronics, furniture, jewelry, and equipment. 

Example: You return home to find a leak from the apartment above you has ruined your TV. Personal Property coverage will help you buy a replacement.

While you travel

Personal Property even covers your stuff while you’re traveling. 

Example: If your suitcase is stolen from your hotel room, Personal Property coverage will help replace both the contents and your luggage. 

Loss of Use

Loss of Use coverage helps with the costs of staying in a hotel or other living situation when something happens to your apartment and you’re unable to live there.

Example: You accidentally set off the sprinkler system in your duplex. Unfortunately, the water damage is significant and you can’t live there while repairs are made. Your renters insurance policy helps pay for a hotel or other temporary housing.

What isn’t covered by renters insurance?

Renters insurance with Root covers a lot, but there are exceptions. Here are a few:

  • Property of roommates or other tenants

  • Property within an apartment/house you’re renting to others

  • Motor vehicle parts

  • Glass

  • Fancy tech, like drones and hovercrafts

  • Trees, shrubs, and plants 

  • Pets

We also don’t cover damage caused by floods and earthquakes, this includes power outages resulting from either.

Insurance terms you may not know

Insurance can be confusing. Here are a few definitions you might find helpful.

Replacement Cost coverage vs. Actual Cash Value

Let’s say your laptop is two years old and is stolen from your apartment. You file a claim through your renters insurance to get a new one. At Root, we use Replacement Cost for renters insurance policies. That means you’ll receive the amount needed to buy a replacement today, despite the age of your stolen laptop.

Some companies only offer Actual Cash Value. Since the value of tech devices usually decreases over time, you would be paid the amount your two year old computer is valued for today. Unfortunately, this could mean you wouldn’t have enough to buy a new laptop.


A deductible is the amount you pay before your renters policy pays the rest. 

If you choose a higher deductible, your monthly rate is lower, but you’ll pay more out of pocket when you file a claim. If you select a lower deductible, your monthly renters insurance rate is higher because Root will be paying more when you file a claim.


A limit is the maximum dollar amount we’ll cover if you file a claim. The higher your limit, the more likely you’ll have less (or nothing) to pay out of pocket in case of a major accident or claim.


When you have multiple policies with one insurance carrier, it’s referred to as a bundle. This can be any combination of home, auto, renters, and other insurance. When you bundle renters and car insurance with Root, you’ll have everything you need all in one app. (Plus, you’ll save more money on your insurance.) 

Renters insurance with Root

Get covered starting at just $6/ month.

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80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2024. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit for more information. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.