As a renter, you have a lot of stuff. Do you 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.
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:
This is our most popular renters insurance coverage that covers your stuff for specific risks. Specific coverages will be listed in your policy for things like:
Our best coverage. In addition to what the basic policy includes, you’ll also have protection for accidents like:
You can also choose from the following claim settlement options:
Actual cash value covers your belongings at the cost to repair or replace the damaged property, minus depreciation.
Replacement cost covers 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 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:
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.
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.
Some of your things are only insured up to specific limits. Some examples:
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.
The following risks aren’t included with the base policy coverage, but you can buy extra coverage for:
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
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.
Start online, find a local rep, or call us at 866-268-6879. We'll help you find the renters insurance that works for you.
COUNTRY Financial® is the marketing name for the COUNTRY Financial family of affiliated companies (collectively, COUNTRY), which include COUNTRY Life Insurance Company®, COUNTRY Mutual Insurance Company®, and their respective subsidiaries, located in Bloomington, Illinois.
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.
1 May be subject to internal policy limits.
2 An auto policy may also be required.
3 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.