A common misconception among renters is that their property owner’s insurance protects their personal property. In reality, it only covers the building and not what’s inside a resident’s unit. This misunderstanding can create confusion and hardship after an emergency, especially for residents who may have few financial resources to rebuild.
To support housing organizations in educating both staff and residents, we developed two easy-to-use flyers that explain renters insurance. These resources can be shared during lease-ups, annual recertifications, community meetings, or whenever conversations about preparedness arise.
What you'll learn
- What renters insurance covers (and what it doesn’t)
- How it protects personal property, provides liability coverage, and pays for temporary housing
- Tips for selecting the right policy—including coverage limits, deductibles, and add-ons
- Why water backup coverage and pet liability may be especially important
- How to create a home inventory to simplify the claims process
Why this matters
Without renters insurance, residents may be left unprotected after a fire, flood, or break-in, and housing providers may face difficult questions about responsibility. Having coverage in place not only shields individuals from financial loss but also helps avoid confusion and conflict during emergencies.
Renters insurance is often inexpensive and easy to obtain. By educating residents and encouraging coverage, housing organizations can help strengthen community resilience and recovery.
Access more resources
Be sure to explore the full range of resources we’ve curated on our Resource Center, designed to help you stay informed, prepared, and resilient, ready to handle anything that comes your way confidently.
Stay connected
Sign up for updates from our blog to stay ahead of emerging trends in insurance, risk management, online training, and affordable housing research, and gain access to the latest resources and tools.
