If you rent an apartment, house or even a dorm room, you need renters insurance to protect you and your property. Nationwide® can offer you a renters insurance policy with coverages that are tailored to fit you and your lifestyle
Protect yourself with renters insurance
Your landlord's insurance policy doesn't cover your belongings. So if fire, theft or weather damages your property, you'll need the protection of renters insurance.
Renters insurance also protects you if an accident happens at your home. Nationwide renters insurance can pay if you're liable for damages to others' property. It can also pay if injuries occur at your residence and help with the cost of legal defense. Even the cost of a small accident adds up quickly. Make sure you're protected with the right renters insurance from Nationwide.
Renters insurance is affordable
Renters insurance is surprisingly affordable. Nationwide allows you to tailor your coverages so that you get the insurance you want at a price you can live with.
Renters insurance discounts
Nationwide offers a variety of ways to save even more on your renters insurance. We offer discounts for:
Learn more about renters insurance discounts.
- Monitored fire and burglary alarms
- Local ultrasonic burglary alarms
- Dead bolt locks on all exterior entryways
- Fire extinguishers
- Sprinkler systems
- Renters insurance combined with auto insurance or other Nationwide policies
Renters Insurance Coverage
Renters insurance policies typically provide basic protection for your property. But they may not provide all of the protection you want or need. Consider these renters insurance coverage options and tailor a policy that's right for you.
Covers bodily injury and property damage to others caused by your actions and/or negligence.
Can pay up to an additional 20 percent of the home coverage limit if there is a total loss of your home - and additional money is needed to rebuild.
Extended replacement cost on contents
Pays to replace or repair personal property without depreciation being taken from the value of the property.
This coverage protects you against losses caused by water that backed up through sewers or drains. (This is not flood insurance.)
Ordinance or law
Pays for increased expense to rebuild due to current building codes or ordinances.
Pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card. This coverage also applies to forged checks and counterfeit money.
Jewelry, watches, furs
Pays for the physical loss of jewelry, watches, furs, and precious and semiprecious stones.
Pays for the physical loss of firearms and accessories.
Extended replacement cost
Pays full replacement costs without depreciation for covered personal property losses.
Personal injury liability
Provides coverage for damages awarded to others due to injuries such as false arrest, libel, slander and invasion of privacy for which you are responsible.
Provides extended protection for your personal belongings stored away from your home in or on any motor vehicle, trailer or watercraft.
Earthquake and volcanic eruption
Pays for losses to your property caused by earthquake or volcanic eruption.
Pays for damages to additions, alterations, fixtures, improvements or installations that you make to your residence.
Loss of use
Provides reimbursement up to the limit specified on the policy for additional living expenses resulting from being unable to live in your home.
Pays for the physical loss of money, bank notes, bullion, gold other than goldware, silver other than silverware, platinum, coins and medals.
Provides coverage for property damage resulting from a hurricane. However, this coverage may be subject to special terms, conditions and deductibles in coastal states.
Windstorm or hail
Provides coverage for property damage resulting from windstorms, hail and tornados.
Pays for the physical loss of securities, accounts, bills, deeds documents, evidences of debt, letters of credit, notes other than bank notes, passports, stamps and tickets.
Renters Insurance Discounts
Save on your renters insurance when you qualify for any of the below renters insurance discounts.
Home and car discount
Combine and save. Get up to a 20 percent discount on your renters policy when you insure your car and home with Nationwide®
Protective device discount
Get up to a 15 percent discount if your home has smoke detectors, fire alarms, burglar alarms or other qualifying devices.
Get up to a 20 percent discount when you stay claims-free.
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