Tennessee Renters Insurance
Protect your space and belongings with renters insurance
If you're currently renting or leasing your home, a renters insurance policy is essential. In Tennessee, many landlords require renters insurance as part of the leasing agreement. Speak with a Farm Bureau Insurance agent today to find out which option is right for you.
What is renters insurance?
Sometimes known as apartment insurance, content insurance, or tenant’s insurance, a renters insurance policy is coverage designed to protect those living in a rental house or apartment. Remember that your landlord’s policy likely does not cover your belongings in the event of an accident.
What does renters insurance cover?
Your personal possessions. Renters insurance policies can provide coverage for your personal possessions.
Additional living expenses after a disaster. If you’re required to live away from home when a covered loss makes your home uninhabitable, your temporary increased cost of living may be covered.
Liability to others. This part of your policy can provide coverage to you against lawsuits for bodily injury or property damage for which you are legally liable. It can pay for both the cost of defending you in court and for any damages a court rules you must pay, up to the limit of liability. You should purchase enough liability insurance to protect your assets.
Why do I need to have renters insurance?
Renters insurance can protect your personal belongings, filling a gap left by landlord's insurance, which typically only covers the building. Without it, your possessions may not be covered if damaged. This coverage extends to items both inside and outside your residence, even in your car or garage. Since landlords aren't responsible for your property, renters insurance is essential for responsible living, offering peace of mind and financial security in case of accidents or losses.
What items can renters insurance cover?
Electronics
Furniture
Clothing
Bicycles
Additional expenses (if property is uninhabitable)
Medical expenses
What kinds of damage can renters insurance cover?
Fire
Lightning
Smoke damage
Windstorm
Hail
Theft
Water damage from accidental overflows and water discharge from a plumbing system
Damage caused by vehicles
Visitor injuries
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Common questions about renters insurance
How much renters insurance do I need?
To determine the amount of renters insurance you need, make a list of your personal property and its value. While basic policies can be similar, no two are exactly the same, and understanding what you’re getting, and what you’re not, is important. Your Farm Bureau Insurance agent can help guide you in determining how much renters coverage you need.
How much is renters insurance in Tennessee?
The cost of renters insurance in Tennessee can vary but is generally affordable, depending on coverage levels and other factors.
Do you have to have renters insurance in Tennessee?
Tennessee does not legally require renters to have renters insurance. However, many landlords may require it as part of the lease agreement.
Not sure what kind of renters coverage you need?
Speak with a local Farm Bureau agent today.
