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Protect your stuff

With coverage you can afford.

Renters Insurance

Intro to Renters Insurance

As a renter, you have a lot of stuff. Do know what is typically covered by your landlord’s policy and what isn’t? We do, and we can help you protect your stuff by identifying your risks and helping you decide how to handle them, one simple step at a time. 

Coverage Options


You have several coverage choices for your personal belongings, so it’s important to figure out how much your stuff is worth to make sure you’ve got enough.

You can choose from two coverage levels:

Basic Coverage

Our most popular renters insurance coverage that covers your stuff for specific risks.
Specific coverages will be listed in your policy for things like:

  • Fire or lightning
  • Theft or vandalism
  • Wind or hail
  • Freezing of plumbing
  • Spoilage of refrigerated products
Premier Coverage

Our best coverage.
In addition to what the basic policy includes, you’ll also have protection for accidents like:

  • Power surge damage to appliances
  • Damage from spilled paint
  • Breakage of antiques1

You can also choose from the following claim settlement types:

Actual Cash Value

Coverage for your belongings at the cost to repair or replace the damaged property, minus depreciation.

Replacement Cost

Coverage for the cost to repair or replace your belongings. So if you have a five-year-old TV you need to replace because of a covered loss, we’ll pay you for a comparable model today, minus your deductible.

Liability and Medical

Liability coverage is automatically included with your renters insurance and helps protect you if someone is injured on your property, you’re responsible for damages to someone else’s property, or you’re sued for those injuries or damages and have legal defense costs.

You can:
  • Choose liability limits up to $1 million
  • Add optional liability coverages (for in-home businesses, recreational motor vehicles, watercraft, rental dwellings, etc.) for an additional cost
  • Add a personal umbrella liability insurance policy if you need more than $1 million in coverage.2
Medical Coverage

Medical payments coverage can provide coverage for others’ medical costs if they’re injured on your property. You can choose up to $25,000 in coverage.

Multi-Policy Discount

Save money with our Multi-Policy Discount when you purchase renters insurance plus one or more of our qualifying policies, products or accounts. The more policies you have, the more you can save!

Talk to your COUNTRY Financial representative to see if you qualify. Availability and amount of discount vary by state.

More Coverage Options

You may need special coverage that our base policy doesn’t have. We offer extra choices at an added cost to customize your renters insurance.

Coverage for high value items

Some of your things are only insured up to specific limits. Some examples:

  • Jewelry, watches and furs: $2500 ($1500 in GA)
  • Silverware, goldware and pewterware: $2500
  • Money and other currency: $200
  • Firearms: $2500
  • Watercraft (like boats, jet skis and trailers): $1500
  • Recreational motor vehicles (like ATVs and 4-wheelers): $500

If you have high value items you have questions about, talk to your representative about insuring them separately. It’s usually very affordable and you’ll have peace of mind knowing you’re protected.

Coverage for additional risks

The following risks aren’t included with the base policy coverage, but you can buy extra coverage for:

  • Identity theft
  • Earthquake damage
  • Sump pump failure and/or back-up of sewer or drain
Flood insurance

Renters insurance doesn’t cover flood damage, and flood insurance is generally only available through the National Flood Insurance Program. We can help get you get coverage through the federal program if you qualify.3

We can help!

Give us a call 24 hours a day.



Introducing COUNTRY Financial® Mobile

Need to view your insurance card in a hurry, pay your bill over your morning coffee, or contact your rep? You can do all of that and more with our app. Download it today!

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For product and service information, read our Terms & Conditions.

Alabama residents: Review the Alabama Bill of Rights for additional information.

Renters insurance policies issued by COUNTRY Mutual Insurance Company® and COUNTRY Casualty Insurance Company®, Bloomington, IL.

May be subject to internal policy limits.
2 An auto policy may also be required.
Flood insurance policies are offered through CC Services, Inc., from various third-party carriers not affiliated with COUNTRY Financial®, in accordance with the National Flood Insurance Program. The issuing carrier is responsible for all claims determination as well as claims paying ability. For more information about CC Services, Inc., read the License and Name Information in our full Terms & Conditions.