It sounds like a total drag, but renters insurance is chock full of benefits that every renter should know. Because, between us, when it comes to protecting your stuff you want to make sure you have the best coverage at the best price.

We rounded up some of the lesser known perks that basic renters insurance policies cover. It may surprise you how pampering these policies actually are!

Perk #1: Your stuff is covered when you’re at home, and when you’re out and about.

Who knew, right? So if your phone is stolen from your local coffee shop, or your laptop is picked up from the university library- your policy has your back.

Perk #2: Dog bites – check!

If your dog bites someone, your policy has you covered. There are two exceptions: you are not covered if your dog has a history of biting or if your dog is categorized as high-risk or “vicious.”

Perk #3: Uninhabitable conditions? Your policy may cover hotel costs.

If a kitchen fire forces you out of your apartment, or your upstairs neighbor leaves a faucet running all day and it’s now raining inside your apartment- your policy may cover temporary housing until your pad is habitable again.

Perk #4: Medical costs for injured guests.

So that house party you were debating of hosting? Host away. Your guests’ medical expenses are most likely covered.

Perk #5: You’re sued! Your policy may cover the costs to get you out of this jam.

In other words, liability coverage protects you (aka will hire a lawyer to defend you and/or pay covered damages you’re found liable for) if someone claims to be injured due to your actions or negligence (read: you know that House Party you had? Well, you didn’t clean up the spilled beer, and your friend fell down the stairs and broke their leg… and you are being sued…)

Make sure to read through your policy and find these hidden gems – they can save you a lot of time and money if the occasion arises! And while we’re at it, here’s another pro tip: take a look at the coverage amounts and ensure they reflect the value of your stuff and liability if you were taken to court.

Thank us later!