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Even if you don’t own a home, you probably own a great deal more than you think. Consider all of your furniture, electronics, clothing, appliances, and jewelry, as well as any art, books, or musical instruments you own.

Beyond your personal property, what if you’re found liable for injuries sustained by visitors in your home as a result of negligence?

That’s where Farmers Renters Insurance comes in.

Renters insurance covers your personal property, and even covers you from liability claims while you’re renting. Also, if your rented home ever needs serious repairs, and you’re unable to live there, it also covers the reasonable and necessary increase in living expenses (housing, food, etc.) you may incur.

The best part? Renters insurance is affordable. For about the price of a movie and popcorn once a month (just pocket change each day), you can purchase coverage for your personal belongings. Start by getting a Renters insurance quote to see Farmers’ affordable coverage options.

Your possessions

Many people make the mistake of underestimating the contents of their home, but the value of your apparel, small appliances, electronics, furniture, and personal items can really add up. Taking an inventory of your personal property can help you determine how much coverage you want to purchase.

Liability claims

Renters insurance can also help you to cover your assets in the event a guest or visitor to your home is injured as a result of your negligence and brings a liability claim against you, or sues you. When considering the amount of Liability insurance coverage you want to purchase, keep in mind the value of your assets.

Your valuables

Coverage is available for your valuables up to the limits stated in your policy. You may want to purchase optional Personal Articles Floaters, which extend coverage for your personal articles, such as jewelry, furs, fine art, or musical instruments, when their value is higher than the limits stated in your policy.

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.

New York, Texas and Washington:
Insurance is underwritten by Farmers Insurance Exchange or an affiliated insurance company. Visit for a complete listing of companies. In New York, Renters insurance is underwritten by Truck Insurance Exchange. In Texas, Renters insurance is underwritten by Fire Insurance Exchange. In Washington, Renters insurance is underwritten by Farmers Insurance Exchange and Farmers Insurance Company of Washington. Each insuring entity has sole financial responsibility for its own products. This is not a policy but a general description and is not an offer to insure. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and any endorsements. Not all coverages and discounts are available in all states. Limitations may apply. Please note that if you are already insured with Farmers Insurance, contact your Farmers agent for a review of your policy(ies).

Start your application online to learn more about the benefits of becoming an agency owner.