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Does my renters insurance cover electronics?
I’m renting an apartment and want to get a bigger TV; I’m tired of watching my favorite movies and shows on my phone. New TVs are expensive, so I’m wondering—does my renters insurance policy include coverage for my electronics?
Natalie Todoroff · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
We get it; it’s way better to watch Lord of the Rings or Squid Game on a bigger screen. Generally, your electronics will be covered by the personal property property division of your
renters insurance
policy. You paid for ‘em, you own ‘em, and they’re in the space you’re renting. So, in the event of any theft or damage, they’ll be covered.Renters insurance won’t cover electronics if:
- Accidental damage by you: Get too hyped during a sports game, throw your shoe at your new flatscreen, and crack the screen? Yeah, your renters insurance won’t cover it.
- Repairs: That laptop you’ve had since college finally bites the dust? Renters insurance won’t cover repairs in that case.
If you’re thinking of setting up your own home theater and want to get even more electronics, consider increasing your personal property coverage limit. You can do this by contacting your insurance provider or visiting their website.
We get it, electronics and other personal property can be
expensive
. But, ensuring them doesn’t have to be! Jerry
makes finding cheap renters insurance a breeze. All you need to do is head over to the app store, download Jerry (for free!), spend about 45 seconds to fill out some forms, then poof! Quotes from top renters insurance providers are right there at your fingertips. View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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