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.
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
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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Renters Insurance: Read More
Do College Students Need Renters Insurance?
September 7, 2023
Renters insurance is an essential safeguard that college students should consider having. As young adults transition to independent living, college students often find themselves living in off-campus apartments or rental houses. While the idea of unforeseen events may seem distant, the reality is that unexpected incidents can occur at any time. Renters insurance offers a range of benefits tailored to the unique needs of college students. Read more
Does Renters Insurance Cover Roommates?
June 19, 2024
When it comes to renting an apartment or home, it's important to understand the ins and outs of renters insurance. One common question that arises is whether renters insurance covers roommates. Read more
Is Renters Insurance Required?
April 3, 2024
When you’re on the hunt for that perfect apartment or cozy home to rent, there’s one detail that tends to slip under the radar—renters insurance. While having renters insurance may not be a state law in Tennessee, chances are your future landlord will require you to have it as part of your lease agreement. Read more
Can Landlords Require Renters Insurance?
May 31, 2024
As a tenant, you’ve finally found the perfect apartment or rental home. You’ve signed the lease, planned your move, and now you’re ready to settle into your new space. But before you unpack those boxes, there’s an important question you might be facing: Can landlords require renters insurance? Read more
How to Assess the Value of Your Belongings for Renters Insurance
December 11, 2023
Renters insurance is more than just a policy; it's your safety net in times of unexpected hardship. It's there to protect your personal possessions from unforeseen events like theft, fire, or natural disasters. To ensure that you have the right amount of coverage, it's important to accurately assess the value of your belongings. Knowing how to do this can save you from being underinsured or overpaying for coverage. Read more
Annual Insurance Review Checklist
November 10, 2023
Life changes in big and small ways each year, so it's important to review your insurance policies annually to ensure that you have the right amount of coverage. We've compiled a list of important items to address in an annual review, so with this complete insurance policy review checklist, you'll always be prepared. Read more
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.