Free checklist · Printable PDF
Renters Insurance Checklist
Your landlord’s insurance usually covers the building, not your things or your liability. This checklist helps you pick sensible limits, meet your lease requirements, and avoid common gaps.
- Veteran-owned (USMC)
- Independent agent: compares multiple carriers
- Free, no-obligation quotes
Quick takeaway
- Renters insurance generally covers your belongings, your personal liability, and extra living costs after a covered loss.
- Many leases require a minimum amount of liability coverage and ask you to list the landlord as an interested party.
- A quick inventory helps you choose a contents limit that matches what you own.
Before you buy
- Read your lease for any required liability limit and how to list the landlord or property manager.
- Walk through your place and estimate what it would cost to replace your things.
- Decide between replacement cost and actual cash value for your belongings.
- Pick a deductible you could comfortably pay.
Coverages to review
- Personal property (contents) limit.
- Personal liability, including how the policy treats dog bites if you have a pet.
- Loss of use or additional living expenses.
- Medical payments to others.
- Special limits on jewelry, electronics, bikes, or collectibles, and whether to schedule them.
- Water backup, if offered.
After you’re covered
- Send proof of insurance to your landlord if the lease requires it.
- Save photos or a video of your belongings in the cloud.
- Ask about bundling renters with car insurance.
- Update the policy when you move, get a roommate, or buy something valuable.
Roommates and students
Roommates usually need their own policies unless the carrier allows them on one policy. College students may have some coverage under a parent’s homeowners policy, subject to limits. Our guide for college renters explains more.
Download, print, and share
Download the free Renters Insurance Checklist (PDF). It’s a direct download, with no form to fill out. Print it, check things off, and bring it to your next coverage review.
Share this guide: https://insuredwitheric.com/renters-insurance-checklist/
Frequently asked questions
Is renters insurance required in Tennessee?
State law doesn’t generally require it, but many landlords require it in the lease. Check your lease for the details.
How much renters insurance do I need?
Add up what it would cost to replace your belongings, then choose a liability limit that meets your lease and protects your savings. Many renters choose at least the lease minimum.
Does renters insurance cover my roommate?
Usually only people listed on the policy, plus certain relatives who live with you, are covered. Roommates often need their own policy.
Want a second set of eyes?
Bring this checklist to a free coverage review. Eric can walk through it with you, explain what you have, and help you shop options from more than one carrier. Call or text 615-808-1105.
Coverage descriptions are general information only; your policy documents determine actual coverage. Availability varies by carrier.
Eric Henry, licensed insurance producer, NPN 3953606 · Affiliated with Hutsenpiller Insurance. Coverage subject to policy terms and carrier approval.