One in four Americans will suffer a house fire or apartment fire loss in their lifetime. As they say, “It could be you!” Except “could” is a bit too optimistic. “It more than likely will be you,” is a more accurate way of looking at it. After the loss, it’s time to make a claim on your policy. That brings us to our question,
What can you claim on renters insurance? Is it limited to direct damages resulting from the loss, or can I claim other losses as a consequence of the situation?
What Can You Claim On Renters Insurance?
Have you ever suffered a loss and wondered what you could claim on renters insurance? The renters insurance experts are here with the answer, and with answers on how to maximize your protection.
What Can You Claim On Renters Insurance?
There are four main types of renters insurance coverage. Let’s review each of them quickly to see what you can seek reimbursement for under each.
Personal Property – What Can You Claim?
Personal property coverage protects your possessions from perils like fire, theft, and vandalism. These are common perils, but there are others named in the policy as well, for which the contents of your apartment might be covered. You can claim most of your personal property, though you need to be aware of sublimits your policy may have for certain classes of property. You can claim up to the total policy limit in personal property losses, though if your policy is written with an appropriate amount of coverage it may not be necessary to go that high depending on the type of loss.

What Can You Claim On Renters Insurance?
Personal Liability – What Can You Claim?
In this instance, it would actually be the aggrieved party who would generally start a claim, but personal liability on a renters insurance policy covers you for bodily injury or property damage that you do to someone else. This means that if you injure someone negligently or damage their property by accident, you can often get coverage under the personal liability section of your renters insurance policy.
Medical Payments To Others – What Can You Claim?
Medical payments to others coverage on your renters insurance allows claims to be made for minor injuries that happen to someone else, without regard to who is at fault for the injuries. This means that if a guest is injured on your property, it’s a much simpler process to get them made whole again. This coverage is especially important because it’s designed to prevent small injuries from turning into large lawsuits. By nipping smaller issues in the bud, the coverage is able to protect you even further than liability coverage alone.
Additional Living Expenses – What Can You Claim?
Additional living expenses covers the costs incurred by you to live somewhere else, feed yourself, and any other expenses that incurred solely because of your inability to use the residence premises as a result of a covered claim. You probably already paid your rent for this month, so if there were a fire, you would incur expenses beyond your normal rent and utilities so you had someplace to sleep and something to eat. Loss of use coverage, or additional living expenses, is for those costs.
In short, asking what you can claim on renters insurance opens up a veritable bounty of answers. Renters insurance provides broad coverage, but generally not all risk coverage, so it’s important to work with renters insurance experts who can explain the coverage and how it could impact you. For a free review of your current policy or a new renters insurance quote, please call Effective Coverage at (800)892-4308 or click above!