Insurance for renters
Contents, tenant liability, personal liability, bicycle, and earthquake coverage.
Direct answers
Renters mainly need contents cover, tenant liability to the landlord, and personal liability; add earthquake contents and check that a personal-liability rider is not duplicated across card or auto policies.
Public coverage first · 2026 edition
Benefits may vary by: insurer · employment status · municipality · household
Get professional or administrator help: Ask the landlord or agent for the required liability limit and check existing riders before renewing.
Review due: 2026-10-30
Key points
- Contents cover protects your belongings, not the building.
- Tenant liability covers damage you owe the landlord.
- Personal liability covers everyday third-party claims.
- Check for duplicate personal-liability riders before buying.
Confirm the required limits
Confirm the landlord’s required tenant-liability limit, add earthquake contents if you could not replace them after a quake, and avoid paying twice for personal liability you already hold elsewhere.
Who this is for
- Residents mapping protection before shopping for private insurance
What this is not
- A quote, policy ranking, or individualized recommendation
Important cautions
- Eligibility, contributions, waiting periods, exclusions, and benefit amounts can vary. Confirm your case with the administering insurer or authority before acting.