{"id":22018,"date":"2022-08-08T11:23:43","date_gmt":"2022-08-08T11:23:43","guid":{"rendered":"https:\/\/www.lemonade.com\/blog\/?post_type=article&#038;p=22018"},"modified":"2025-02-27T08:18:15","modified_gmt":"2025-02-27T08:18:15","slug":"9-real-life-situations-covered-by-renters-insurance","status":"publish","type":"article","link":"https:\/\/www.lemonade.com\/blog\/9-real-life-situations-covered-by-renters-insurance\/","title":{"rendered":"9 Real Life Situations Covered by Renters Insurance"},"content":{"rendered":"\n<p>Let\u2019s face it: <a href=\"https:\/\/www.lemonade.com\/renters\">Renters insurance<\/a> isn\u2019t the sexiest of topics.&nbsp;<\/p>\n\n\n\n<p>But the thing is, renters insurance can have your back in a bunch of situations that are all-too-common.&nbsp;<\/p>\n\n\n\n<p>As you might already know, renters insurance reimburses you (<a href=\"https:\/\/www.lemonade.com\/homeowners\/explained\/what-is-a-deductible\/\">after you\u2019ve paid your deductible<\/a>) if something bad happens to you or your stuff.<\/p>\n\n\n\n<p>What does \u2018something bad\u2019 mean? Things like <a href=\"https:\/\/www.lemonade.com\/renters\/explained\/theft\/\">theft<\/a>, fire, vandalism, some types of water losses (ex. burst pipes), a&nbsp; <a href=\"https:\/\/www.lemonade.com\/homeowners\/explained\/windstorm\/\">windstorm<\/a>, etc. (In insurance-speak, we call these things \u2018<a href=\"https:\/\/www.lemonade.com\/homeowners\/explained\/named-perils\/\">named perils<\/a>.\u2019 It also covers temporary living expenses if your place becomes unlivable, and also certain medical\/legal fees for others if you\u2019re liable.<\/p>\n\n\n<div id=\"article-cta-block_62f0d5bacedba\" class=\"article-cta\">\n    <p class=\"article-cta-text\">Get Covered with Lemonade<\/p>\n    <a class=\"article-cta-button content_article_cta\" data-track=\"content_article.cta.clicked\" href=\"https:\/\/www.lemonade.com\/onboarding\/start?p=home_us_renters\">Sign Up Now<\/a>\n    <style type=\"text\/css\">\n        #article-cta-block_62f0d5bacedba {\n            height: 80px;\n            width: 100%;\n            max-width: 700px;\n            display: flex;\n            flex-flow: row;\n            align-items: center;\n            justify-content: space-around;\n            background: #F7F7F7;\n            border: 1px solid #ECECEC;\n            border-radius: 5px;\n            padding: 15px 15px 15px 30px!important;\n            cursor: pointer;\n        }\n\n        .article-cta-text {\n            width: 100%;\n            max-width: 450px;\n            display: flex;\n            font: 700 20px\/28px \"Lato\", \"Helvetica Neue\", Arial, sans-serif!important;\n            margin: 25px 0 25px!important;\n            text-align: left;\n        }\n\n        .article-cta-button {\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            height: 47px;\n            width: 212px;\n            padding: 0px 25px;\n            box-shadow: 0 4px 8px 0 rgb(255 0 131 \/ 20%);\n            border-radius: 5px;\n            margin-left: 40px;\n            font: 700 1rem \"Lato\",\"Helvetica Neue\",Arial,sans-serif;\n            position: relative;\n            text-decoration: none;\n            text-transform: uppercase;\n            overflow: hidden;\n            white-space: nowrap;\n            text-overflow: ellipsis;\n            user-select: none;\n            transition: background-color .3s,color .3s,border-color .3s;\n            background-color: #ff0083;\n            color: #fff!important;\n            border: 0;\n            box-shadow: 0 10px 40px -10px rgb(255 0 131 \/ 50%);\n            transform: translateY(0);\n            transition: all .2s,transform .5s;\n        }\n\n        .article-cta-button:hover {\n            background-color: #dc0073;\n            text-decoration: none!important;\n        }\n\n        \/* mobile tweaks *\/\n        @media only screen and (max-width: 768px){\n            #article-cta-block_62f0d5bacedba {\n                font: 700 22px\/27px \"Lato\", \"Helvetica Neue\", Arial, sans-serif;\n                min-height: 220px;\n                height: 100%;\n                padding: 15px 15% 31px;\n                width: 100%;\n                display: flex;\n                flex-flow: column;\n                align-items: center;\n                justify-content: center;\n                padding: 15px 15px 15px 15px!important;\n            }\n\n            .article-cta-text {\n                display: flex;\n                align-items: center;\n                width: 100%;\n                max-width: 230px;\n                text-align: center;\n                margin-top: 0;\n            }\n\n            .article-cta-button {\n                margin-left: 0;\n            }\n        }\n        \n\n    <\/style>\n<\/div>\n\n\n<p>Still not sold on getting yourself covered? Then consider how many different situations in which you\u2019d be glad you purchased renters insurances.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Your phone&#8217;s stolen at a music festival<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2018\/05\/phone-stolen-renters-insurance-e1525701322639.jpg\" alt=\"phone stolen renters insurance\" class=\"wp-image-3470\" srcset=\"https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2018\/05\/phone-stolen-renters-insurance-e1525701322639.jpg 800w, https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2018\/05\/phone-stolen-renters-insurance-e1525701322639-300x200.jpg 300w, https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2018\/05\/phone-stolen-renters-insurance-e1525701322639-768x512.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n<\/div>\n\n\n<p>We bring our phones everywhere: to work, a friend\u2019s house, and a cross-country trip.<\/p>\n\n\n\n<p>So naturally, some of the most common Q\u2019s we\u2019re asked at Lemonade are: <a href=\"https:\/\/www.lemonade.com\/renters\/explained\/mobile-phone-insurance-theft\/\"><em>Does renters insurance cover cell phones?<\/em><\/a> and, <em>Does renters insurance cover theft outside the home?&nbsp;<\/em><\/p>\n\n\n\n<p>It sure does!<\/p>\n\n\n\n<p><a href=\"https:\/\/www.lemonade.com\/renters\/explained\/what-is-renters-insurance-and-whats-covered\/\">Renters insurance doesn\u2019t only cover your stuff at home<\/a>. So if your phone is stolen at a music festival, or on your commute home from work, renters insurance can reimburse you after you\u2019ve filed a theft report with the police.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Your laptop&#8217;s swiped while traveling<\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2018\/05\/laptop-stolen-renters-insurance-travel-e1525698548816.jpg\" alt=\"laptop stolen renters insurance\" class=\"wp-image-3457\" srcset=\"https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2018\/05\/laptop-stolen-renters-insurance-travel-e1525698548816.jpg 800w, https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2018\/05\/laptop-stolen-renters-insurance-travel-e1525698548816-300x200.jpg 300w, https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2018\/05\/laptop-stolen-renters-insurance-travel-e1525698548816-768x512.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n<\/div>\n\n\n<p>Renters insurance doesn\u2019t only cover loss inside the country \u2013 it\u2019s there for you when you\u2019re abroad, too.<\/p>\n\n\n\n<p>Let\u2019s say you\u2019re gearing up for a trip to Europe, and decide to bring your <a href=\"https:\/\/www.lemonade.com\/renters\/explained\/laptop-insurance\/\">laptop<\/a> with you. You pack your stuff, jet off to your destination, and unpack your things in your hotel room before you begin to explore. You come back to your room, only to realize your laptop\u2019s missing.<\/p>\n\n\n\n<p>If you have renters insurance, you can relax knowing your laptop\u2019s covered, and enjoy the rest of your vacay.<\/p>\n\n\n\n<p>Bonus: With Lemonade, <a href=\"https:\/\/www.lemonade.com\/claims\">making a claim<\/a> takes just a few seconds, so you can get on with your trip abroad. You might even <a href=\"https:\/\/www.lemonade.com\/blog\/lemonade-sets-new-world-record\/\">get reimbursed the same day<\/a>.&nbsp;<\/p>\n\n\n<div id=\"article-cta-block_62f0d5f4cedbb\" class=\"article-cta\">\n    <p class=\"article-cta-text\">Protect Your Stuff at a Great Price<\/p>\n    <a class=\"article-cta-button content_article_cta\" data-track=\"content_article.cta.clicked\" href=\"https:\/\/www.lemonade.com\/onboarding\/start?p=home_us_renters\">Get My Quote<\/a>\n    <style type=\"text\/css\">\n        #article-cta-block_62f0d5f4cedbb {\n            height: 80px;\n            width: 100%;\n            max-width: 700px;\n            display: flex;\n            flex-flow: row;\n            align-items: center;\n            justify-content: space-around;\n            background: #F7F7F7;\n            border: 1px solid #ECECEC;\n            border-radius: 5px;\n            padding: 15px 15px 15px 30px!important;\n            cursor: pointer;\n        }\n\n        .article-cta-text {\n            width: 100%;\n            max-width: 450px;\n            display: flex;\n            font: 700 20px\/28px \"Lato\", \"Helvetica Neue\", Arial, sans-serif!important;\n            margin: 25px 0 25px!important;\n            text-align: left;\n        }\n\n        .article-cta-button {\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            height: 47px;\n            width: 212px;\n            padding: 0px 25px;\n            box-shadow: 0 4px 8px 0 rgb(255 0 131 \/ 20%);\n            border-radius: 5px;\n            margin-left: 40px;\n            font: 700 1rem \"Lato\",\"Helvetica Neue\",Arial,sans-serif;\n            position: relative;\n            text-decoration: none;\n            text-transform: uppercase;\n            overflow: hidden;\n            white-space: nowrap;\n            text-overflow: ellipsis;\n            user-select: none;\n            transition: background-color .3s,color .3s,border-color .3s;\n            background-color: #ff0083;\n            color: #fff!important;\n            border: 0;\n            box-shadow: 0 10px 40px -10px rgb(255 0 131 \/ 50%);\n            transform: translateY(0);\n            transition: all .2s,transform .5s;\n        }\n\n        .article-cta-button:hover {\n            background-color: #dc0073;\n            text-decoration: none!important;\n        }\n\n        \/* mobile tweaks *\/\n        @media only screen and (max-width: 768px){\n            #article-cta-block_62f0d5f4cedbb {\n                font: 700 22px\/27px \"Lato\", \"Helvetica Neue\", Arial, sans-serif;\n                min-height: 220px;\n                height: 100%;\n                padding: 15px 15% 31px;\n                width: 100%;\n                display: flex;\n                flex-flow: column;\n                align-items: center;\n                justify-content: center;\n                padding: 15px 15px 15px 15px!important;\n            }\n\n            .article-cta-text {\n                display: flex;\n                align-items: center;\n                width: 100%;\n                max-width: 230px;\n                text-align: center;\n                margin-top: 0;\n            }\n\n            .article-cta-button {\n                margin-left: 0;\n            }\n        }\n        \n\n    <\/style>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\">3. Your bike&#8217;s stolen (even though you locked it)<\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2018\/05\/bike-stolen-renters-insurance-e1525699065479.jpg\" alt=\"stolen bicycle and renters insurance\" class=\"wp-image-3459\" srcset=\"https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2018\/05\/bike-stolen-renters-insurance-e1525699065479.jpg 800w, https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2018\/05\/bike-stolen-renters-insurance-e1525699065479-300x200.jpg 300w, https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2018\/05\/bike-stolen-renters-insurance-e1525699065479-768x512.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n<\/div>\n\n\n<p>One last note about <a href=\"https:\/\/www.lemonade.com\/renters\/explained\/does-renters-insurance-cover-theft\/\">theft<\/a> (we promise!): one of the most common claims we see is stolen bikes.<\/p>\n\n\n\n<p>Even if you take the time to lock up your bike, sometimes you still get unlucky. And lucky for you, renters insurance covers stolen bikes!<\/p>\n\n\n\n<p>If your bike is on the pricey end of the spectrum, you may need to get \u2018<a href=\"https:\/\/www.lemonade.com\/faq#coverage\">Extra Coverage<\/a>\u2019 for it, which will also cover you in the event of accidental damage or mysterious disappearance, with no deductible (score!).<\/p>\n\n\n\n<p>Adding Extra Coverage is easy \u2013 after you <a href=\"https:\/\/www.lemonade.com\/start?f=1\">get a Lemonade policy<\/a>, you\u2019ll just have to follow a few quick steps, and you\u2019re done!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Your neighbors leave their faucet on, and it floods your apartment<\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"413\" height=\"155\" src=\"https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2018\/03\/flood-1-e1520418400211.png\" alt=\"does renters insurance cover flooding - lemonade blog\" class=\"wp-image-2843\" srcset=\"https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2018\/03\/flood-1-e1520418400211.png 413w, https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2018\/03\/flood-1-e1520418400211-300x113.png 300w\" sizes=\"auto, (max-width: 413px) 100vw, 413px\" \/><\/figure>\n<\/div>\n\n\n<p>Love \u2018em or hate \u2018em, your neighbors can sometimes make mistakes. And if those mistakes damage your stuff, your policy may have you covered.<\/p>\n\n\n\n<p>Say your neighbors leave their kitchen sink running, or forget to turn off their bathroom faucet, and the water comes dripping down into your apartment. You come home from a long day at work, only to find your stuff soaking wet. No fear \u2013 renters insurance can pay you back for the damage caused to your things.<\/p>\n\n\n<div id=\"article-cta-block_62f0d689cedbc\" class=\"article-cta\">\n    <p class=\"article-cta-text\">Get Coverage That&#8217;s There When You Need It<\/p>\n    <a class=\"article-cta-button content_article_cta\" data-track=\"content_article.cta.clicked\" href=\"https:\/\/www.lemonade.com\/onboarding\/start?p=home_us_renters\">Sign Up Now<\/a>\n    <style type=\"text\/css\">\n        #article-cta-block_62f0d689cedbc {\n            height: 80px;\n            width: 100%;\n            max-width: 700px;\n            display: flex;\n            flex-flow: row;\n            align-items: center;\n            justify-content: space-around;\n            background: #F7F7F7;\n            border: 1px solid #ECECEC;\n            border-radius: 5px;\n            padding: 15px 15px 15px 30px!important;\n            cursor: pointer;\n        }\n\n        .article-cta-text {\n            width: 100%;\n            max-width: 450px;\n            display: flex;\n            font: 700 20px\/28px \"Lato\", \"Helvetica Neue\", Arial, sans-serif!important;\n            margin: 25px 0 25px!important;\n            text-align: left;\n        }\n\n        .article-cta-button {\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            height: 47px;\n            width: 212px;\n            padding: 0px 25px;\n            box-shadow: 0 4px 8px 0 rgb(255 0 131 \/ 20%);\n            border-radius: 5px;\n            margin-left: 40px;\n            font: 700 1rem \"Lato\",\"Helvetica Neue\",Arial,sans-serif;\n            position: relative;\n            text-decoration: none;\n            text-transform: uppercase;\n            overflow: hidden;\n            white-space: nowrap;\n            text-overflow: ellipsis;\n            user-select: none;\n            transition: background-color .3s,color .3s,border-color .3s;\n            background-color: #ff0083;\n            color: #fff!important;\n            border: 0;\n            box-shadow: 0 10px 40px -10px rgb(255 0 131 \/ 50%);\n            transform: translateY(0);\n            transition: all .2s,transform .5s;\n        }\n\n        .article-cta-button:hover {\n            background-color: #dc0073;\n            text-decoration: none!important;\n        }\n\n        \/* mobile tweaks *\/\n        @media only screen and (max-width: 768px){\n            #article-cta-block_62f0d689cedbc {\n                font: 700 22px\/27px \"Lato\", \"Helvetica Neue\", Arial, sans-serif;\n                min-height: 220px;\n                height: 100%;\n                padding: 15px 15% 31px;\n                width: 100%;\n                display: flex;\n                flex-flow: column;\n                align-items: center;\n                justify-content: center;\n                padding: 15px 15px 15px 15px!important;\n            }\n\n            .article-cta-text {\n                display: flex;\n                align-items: center;\n                width: 100%;\n                max-width: 230px;\n                text-align: center;\n                margin-top: 0;\n            }\n\n            .article-cta-button {\n                margin-left: 0;\n            }\n        }\n        \n\n    <\/style>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\">5. Your friend slips and falls at your house party<\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2018\/05\/dinner-party-liability-renters-insurance-e1525699578248.jpg\" alt=\"liability, parties, and renters insurance\" class=\"wp-image-3462\" srcset=\"https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2018\/05\/dinner-party-liability-renters-insurance-e1525699578248.jpg 800w, https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2018\/05\/dinner-party-liability-renters-insurance-e1525699578248-300x200.jpg 300w, https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2018\/05\/dinner-party-liability-renters-insurance-e1525699578248-768x512.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n<\/div>\n\n\n<p>Picture this: You decide to host a house party for your BFF\u2019s birthday, and your klutz-y friend suddenly slips in your kitchen and twists his ankle. Ouch. He heads over to the hospital, receives his medical bills, and decides to sue you. Double ouch.<\/p>\n\n\n\n<p>Luckily, renters insurance can cover the costs to get you out of this jam. Your personal <a href=\"https:\/\/www.lemonade.com\/renters\/explained\/the-lowdown-on-liability-coverage\/\">liability coverage<\/a> will kick in, and pay for both his medical and your legal fees. Crisis averted!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">6. Your plumbing leaks, damaging your stuff<\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"600\" src=\"https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2022\/08\/Shutterstock_1005704587.jpg\" alt=\"plumbing leak and renters insurance\" class=\"wp-image-22019\" srcset=\"https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2022\/08\/Shutterstock_1005704587.jpg 800w, https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2022\/08\/Shutterstock_1005704587-300x225.jpg 300w, https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2022\/08\/Shutterstock_1005704587-768x576.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n<\/div>\n\n\n<p>Leaky plumbing can lead to a whole lot of flooding in your apartment or home.&nbsp;When this happens, you might be wondering, \u2018does renters insurance cover carpet damage?,\u2019 or, \u2018<a href=\"https:\/\/www.lemonade.com\/homeowners\/explained\/homeowners-insurance-cover-water-damage\/\">does renters insurance cover water damage<\/a> to a laptop?\u2019 Luckily, it does!<\/p>\n\n\n<div id=\"article-cta-block_62f0d6e6cedbd\" class=\"article-cta\">\n    <p class=\"article-cta-text\">Protect Yourself with America&#8217;s Top-Ranked Renters Insurance<\/p>\n    <a class=\"article-cta-button content_article_cta\" data-track=\"content_article.cta.clicked\" href=\"https:\/\/www.lemonade.com\/onboarding\/start?p=home_us_renters\">Get Lemonade<\/a>\n    <style type=\"text\/css\">\n        #article-cta-block_62f0d6e6cedbd {\n            height: 80px;\n            width: 100%;\n            max-width: 700px;\n            display: flex;\n            flex-flow: row;\n            align-items: center;\n            justify-content: space-around;\n            background: #F7F7F7;\n            border: 1px solid #ECECEC;\n            border-radius: 5px;\n            padding: 15px 15px 15px 30px!important;\n            cursor: pointer;\n        }\n\n        .article-cta-text {\n            width: 100%;\n            max-width: 450px;\n            display: flex;\n            font: 700 20px\/28px \"Lato\", \"Helvetica Neue\", Arial, sans-serif!important;\n            margin: 25px 0 25px!important;\n            text-align: left;\n        }\n\n        .article-cta-button {\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            height: 47px;\n            width: 212px;\n            padding: 0px 25px;\n            box-shadow: 0 4px 8px 0 rgb(255 0 131 \/ 20%);\n            border-radius: 5px;\n            margin-left: 40px;\n            font: 700 1rem \"Lato\",\"Helvetica Neue\",Arial,sans-serif;\n            position: relative;\n            text-decoration: none;\n            text-transform: uppercase;\n            overflow: hidden;\n            white-space: nowrap;\n            text-overflow: ellipsis;\n            user-select: none;\n            transition: background-color .3s,color .3s,border-color .3s;\n            background-color: #ff0083;\n            color: #fff!important;\n            border: 0;\n            box-shadow: 0 10px 40px -10px rgb(255 0 131 \/ 50%);\n            transform: translateY(0);\n            transition: all .2s,transform .5s;\n        }\n\n        .article-cta-button:hover {\n            background-color: #dc0073;\n            text-decoration: none!important;\n        }\n\n        \/* mobile tweaks *\/\n        @media only screen and (max-width: 768px){\n            #article-cta-block_62f0d6e6cedbd {\n                font: 700 22px\/27px \"Lato\", \"Helvetica Neue\", Arial, sans-serif;\n                min-height: 220px;\n                height: 100%;\n                padding: 15px 15% 31px;\n                width: 100%;\n                display: flex;\n                flex-flow: column;\n                align-items: center;\n                justify-content: center;\n                padding: 15px 15px 15px 15px!important;\n            }\n\n            .article-cta-text {\n                display: flex;\n                align-items: center;\n                width: 100%;\n                max-width: 230px;\n                text-align: center;\n                margin-top: 0;\n            }\n\n            .article-cta-button {\n                margin-left: 0;\n            }\n        }\n        \n\n    <\/style>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\">7. Your apartment catches fire, wreaking havoc on your things<\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2018\/05\/fire-apartment-liability-e1525700430511.jpg\" alt=\"fire and renters insurance\" class=\"wp-image-3464\" srcset=\"https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2018\/05\/fire-apartment-liability-e1525700430511.jpg 800w, https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2018\/05\/fire-apartment-liability-e1525700430511-300x200.jpg 300w, https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2018\/05\/fire-apartment-liability-e1525700430511-768x512.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n<\/div>\n\n\n<p>If your stuff goes up in smoke, you can call your insurance company (or, in Lemonade\u2019s case, <a href=\"https:\/\/lemonadeinc.onelink.me\/2551691193\/84bca19b\">open the Lemonade app<\/a>) and file a claim right away.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">8. Your neighbor&#8217;s apartment catches on fire, forcing you to relocate<\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"550\" src=\"https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2020\/02\/fire-damage-apartment-1024x550.png\" alt=\"Fire Damage - Lemonade Blog\" class=\"wp-image-7930\" srcset=\"https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2020\/02\/fire-damage-apartment-1024x550.png 1024w, https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2020\/02\/fire-damage-apartment-300x161.png 300w, https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2020\/02\/fire-damage-apartment-768x412.png 768w, https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2020\/02\/fire-damage-apartment.png 1600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p>Back to those neighbors: Let\u2019s say <em>their <\/em>apartment caught fire, but the flames spread to your place.<\/p>\n\n\n\n<p>In this scenario, renters insurance can cover not only the damages to your stuff, but also your temporary living costs \u2013 this type of coverage is known as \u2018<a href=\"https:\/\/www.lemonade.com\/renters\/explained\/loss-of-use\/\">loss of use<\/a>.\u2019 It may even cover the extra $$ you have to spend on food and laundry.&nbsp;<\/p>\n\n\n\n<p>Regardless of whether you think you\u2019ll ever fall victim to a horror story like this\u2014or any of those listed above\u2014renters insurance can help you with one more super common scenario:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">9. You&#8217;re worried that something might happen<\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"600\" src=\"https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2022\/08\/Shutterstock_397255366.jpg\" alt=\"renters insurance and peace of mind\" class=\"wp-image-22020\" srcset=\"https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2022\/08\/Shutterstock_397255366.jpg 800w, https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2022\/08\/Shutterstock_397255366-300x225.jpg 300w, https:\/\/www.lemonade.com\/blog\/wp-content\/uploads\/2022\/08\/Shutterstock_397255366-768x576.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n<\/div>\n\n\n<p>This may sound cheesy, but it doesn\u2019t make it any less true. If you\u2019re worried someone will snatch your phone at a music festival, or swipe your laptop when you\u2019re traveling, your policy will make these worst-case scenarios much less <a href=\"https:\/\/www.lemonade.com\/blog\/easy-ways-to-destress\/\">stressful<\/a> (and consequential).&nbsp;<\/p>\n\n\n\n<p>Renters insurance is there to make you feel safe and calm at the thought of something happening. It\u2019s there to let you focus on your experiences, not your things.&nbsp;<\/p>\n\n\n\n<p>And if you ask us, the value of that is priceless.<\/p>\n\n\n<div id=\"article-cta-block_62f0d78dcedbe\" class=\"article-cta\">\n    <p class=\"article-cta-text\">Achieve Peace of Mind Today<\/p>\n    <a class=\"article-cta-button content_article_cta\" data-track=\"content_article.cta.clicked\" href=\"https:\/\/www.lemonade.com\/onboarding\/start?p=home_us_renters\">GET LEMONADE<\/a>\n    <style type=\"text\/css\">\n        #article-cta-block_62f0d78dcedbe {\n            height: 80px;\n            width: 100%;\n            max-width: 700px;\n            display: flex;\n            flex-flow: row;\n            align-items: center;\n            justify-content: space-around;\n            background: #F7F7F7;\n            border: 1px solid #ECECEC;\n            border-radius: 5px;\n            padding: 15px 15px 15px 30px!important;\n            cursor: pointer;\n        }\n\n        .article-cta-text {\n            width: 100%;\n            max-width: 450px;\n            display: flex;\n            font: 700 20px\/28px \"Lato\", \"Helvetica Neue\", Arial, sans-serif!important;\n            margin: 25px 0 25px!important;\n            text-align: left;\n        }\n\n        .article-cta-button {\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            height: 47px;\n            width: 212px;\n            padding: 0px 25px;\n            box-shadow: 0 4px 8px 0 rgb(255 0 131 \/ 20%);\n            border-radius: 5px;\n            margin-left: 40px;\n            font: 700 1rem \"Lato\",\"Helvetica Neue\",Arial,sans-serif;\n            position: relative;\n            text-decoration: none;\n            text-transform: uppercase;\n            overflow: hidden;\n            white-space: nowrap;\n            text-overflow: ellipsis;\n            user-select: none;\n            transition: background-color .3s,color .3s,border-color .3s;\n            background-color: #ff0083;\n            color: #fff!important;\n            border: 0;\n            box-shadow: 0 10px 40px -10px rgb(255 0 131 \/ 50%);\n            transform: translateY(0);\n            transition: all .2s,transform .5s;\n        }\n\n        .article-cta-button:hover {\n            background-color: #dc0073;\n            text-decoration: none!important;\n        }\n\n        \/* mobile tweaks *\/\n        @media only screen and (max-width: 768px){\n            #article-cta-block_62f0d78dcedbe {\n                font: 700 22px\/27px \"Lato\", \"Helvetica Neue\", Arial, sans-serif;\n                min-height: 220px;\n                height: 100%;\n                padding: 15px 15% 31px;\n                width: 100%;\n                display: flex;\n                flex-flow: column;\n                align-items: center;\n                justify-content: center;\n                padding: 15px 15px 15px 15px!important;\n            }\n\n            .article-cta-text {\n                display: flex;\n                align-items: center;\n                width: 100%;\n                max-width: 230px;\n                text-align: center;\n                margin-top: 0;\n            }\n\n            .article-cta-button {\n                margin-left: 0;\n            }\n        }\n        \n\n    <\/style>\n<\/div>","protected":false},"featured_media":22021,"template":"","class_list":["post-22018","article","type-article","status-publish","has-post-thumbnail","post-hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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