Yes! Most Renters policies protect your personal belongings even when they’re away from home—covering items stolen from your car, luggage, or while traveling.
Insurance protects your belongings, liability, and more—starting at less than $1 a day.
What Is Renters Insurance and Why Do You Need It?
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What Does Renters Insurance Cover?
Renters Insurance plan includes essential protection like:
Personal Property Coverage
Covers your furniture, clothing, and electronics—at home, in storage, or while traveling (sub-limits apply).
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Personal Property Coverage
Covers your furniture, clothing, and electronics—at home, in storage, or while traveling (sub-limits apply).
Select coverage type: Actual Cash Value (ACV) or Replacement Cost (RC) for your belongings.
Off-premises protection: Coverage extends to items in storage or while traveling (limits may vary).
Special sub-limits: Jewelry, watches, and instruments—schedule items to secure higher limits.
Document your items: Maintain a photo or video inventory to streamline claims.
Liability Coverage
Covers legal defense and payments if you’re liable for injuries or property damage, up to your policy limits.
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Liability Coverage
Covers legal defense and payments if you’re liable for injuries or property damage, up to your policy limits.
Covers legal defense, settlements, and judgments for covered claims.
Applies on- and off-premises, e.g., dog bites (breed restrictions may apply).
May be required by your landlord or HOA; can add them as an additional interest.
Pairs well with an umbrella policy for higher liability limits.
Loss of Use (Additional Living Expenses)
Covers hotel stays, meals, and additional expenses if your unit becomes uninhabitable due to a covered loss.
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Loss of Use (Additional Living Expenses)
Covers hotel stays, meals, and additional expenses if your unit becomes uninhabitable due to a covered loss.
Covers temporary housing and related expenses, including meals, laundry, transportation, and pet boarding.
Limits apply by time or dollar amount—choose coverage suitable for your local market.
Only applies when the loss is caused by a covered peril under your policy.
Medical Payments to Others
Provides no-fault coverage for minor injuries to guests in or around your home.
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Medical Payments to Others
Provides no-fault coverage for minor injuries to guests in or around your home.
Covers initial medical expenses for guests, regardless of fault (subject to policy limits).
Helps prevent larger liability claims; typical coverage limits range from $1,000–$5,000 or more.
Fire & Smoke Damage
Protects your belongings from fire, smoke, and soot, and covers additional living expenses if displaced.
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Fire & Smoke Damage
Protects your belongings from fire, smoke, and soot, and covers additional living expenses if displaced.
Covers your personal belongings; building repairs are usually the landlord’s responsibility. Excludes intentional acts and is subject to policy conditions and limits.
Theft Coverage
Covers losses from burglary and theft at home, and away from home within policy limits.
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Theft Coverage
Covers losses from burglary and theft at home, and away from home within policy limits.
Special sub-limits apply for jewelry, bicycles, instruments, cash—schedule high-value items for extra protection.
Documentation required: File a police report and keep records of ownership and serial numbers.
Vandalism Coverage
Covers your belongings against vandalism and intentional damage.
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Vandalism Coverage
Covers your belongings against vandalism and intentional damage.
Vacancy rules: Coverage may be limited if the property is vacant for an extended period.
Document damage: Take photos and keep receipts to support repair claims.
Water Damage (Sudden & Accidental)
Covers sudden water damage from burst pipes, appliance overflows, and leaks—not floods or long-term seepage.
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Water Damage (Sudden & Accidental)
Covers sudden water damage from burst pipes, appliance overflows, and leaks—not floods or long-term seepage.
Covers cleanup, drying, and repairs for your belongings after sudden water damage.
Exclusions: Flood and sewer backup are generally not covered unless added through a separate endorsement.
Windstorm & Hail Damage
Protects your belongings from wind and hail damage; building repairs are typically the landlord’s responsibility.
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Windstorm & Hail Damage
Protects your belongings from wind and hail damage; building repairs are typically the landlord’s responsibility.
Deductibles: Named-storm or wind/hail deductibles may apply depending on your region.
Additional Living Expenses (ALE): Coverage may apply if your unit becomes uninhabitable due to a covered loss.
Explosion Coverage
Covers damage to your belongings caused by explosions, such as gas leaks or appliance malfunctions.
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Explosion Coverage
Covers damage to your belongings caused by explosions, such as gas leaks or appliance malfunctions.
Coverage limits: Subject to policy terms and exclusions.
Additional Living Expenses: May apply if you are displaced from your home.
Falling Objects
Covers damage to your belongings from falling tree limbs and other objects, which may also trigger temporary relocation.
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Falling Objects
Covers damage to your belongings from falling tree limbs and other objects, which may also trigger temporary relocation.
Interior damage coverage: Usually applies when a covered peril first breaches your roof or windows.
Building vs. contents: Repairs to the building are typically the landlord’s responsibility, while your personal belongings and Additional Living Expenses (ALE) are covered under your policy.
Weight of Ice, Snow, or Sleet
Covers your belongings and Additional Living Expenses (ALE) if heavy winter weather causes collapse or damage.
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Weight of Ice, Snow, or Sleet
Covers your belongings and Additional Living Expenses (ALE) if heavy winter weather causes collapse or damage.
Coverage applies to your belongings; building repairs are generally the landlord’s responsibility.
Document damage promptly and keep receipts for any temporary repairs.
Electrical Damage (Power Surge, Short-Circuit)
Covers your electronics from sudden, accidental electrical damage.
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Electrical Damage (Power Surge, Short-Circuit)
Covers your electronics from sudden, accidental electrical damage.
Coverage details: May be included in your policy or added as an endorsement—check sub-limits and deductibles.
Risk reduction: Installing whole-home surge protectors can help lower the chance of damage and claims.
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Protect Your Property, Protect Your Lifestyle
Don’t leave gaps in your protection. IDR makes renters insurance simple, affordable, and dependable.
Why IDR Insurance Agency
The IDR Advantage
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Personalized Coverage – Designed specifically for your renters insurance needs
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Affordable Options – Flexible plans that fit your budget
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Trusted Advisors – Real agents providing guidance, not just algorithms
How It Works
Just three steps to complete peace of mind.
Review Personalized Coverage Options
View protection customized for your renters policy.
Get Protected in Minutes
Secure your coverage and enjoy peace of mind every day.
What Affects Your Premium?
At IDR Insurance, we value transparency. Several factors can influence your insurance rate:
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Location & ZIP Code – Areas prone to natural disasters or high crime may have higher rates.
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Home Age & Construction – Older homes or certain building materials can affect coverage costs.
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Claims History – Past claims may increase your premium.
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Credit History – In some states, insurers consider credit history when determining rates.
Expert Guidance Whenever You Need It
Explore the IDR Insurance Resource Center for answers to your questions, the latest industry insights, and helpful tools to navigate your insurance and financial decisions.
Real Client Feedback
Trusted by customers worldwide for dependable service and exceptional results.
“I’ve never felt more secure. IDR Insurance gave me peace of mind knowing my home and belongings are fully protected.”
“The customer support is outstanding. They answered all my questions and guided me through choosing the right coverage for my needs.”
“Affordable rates, excellent coverage, and a team that genuinely cares. IDR Insurance has been a game-changer for my family.”
Frequently Asked Questions
A standard Renters policy typically covers:
- Personal belongings – furniture, clothing, electronics, and other possessions
- Liability protection – if someone is injured in your home
- Additional living expenses – costs if your rental becomes uninhabitable due to a covered event
Standard insurance policies do not cover floods, earthquakes, pest damage, or normal wear and tear. You can usually add separate coverage or riders to protect against these risks.
Renters insurance typically costs $15–$25 per month, depending on your location, coverage limits, and deductible choices.
Usually, no. Each resident should have their own renters policy unless the insurer explicitly allows multiple tenants on a single plan.
Report the loss to your insurance provider immediately, document it with photos or receipts, and submit your claim online or by phone. Our team will guide you through every step to ensure a smooth process.
Talk to a Real Agent
Call, text, or click. We’re ready when you are.
Call: 636 556 5555 / 314 499 8888
Mail: support@idrinsurance.com
Chesterfield Office: 691 Trade Center Blvd, Chesterfield, MO 63005
Ofallon Office: 1001 Boardwalk Springs Pl #111, O'Fallon, MO 63368
Protecting All Kinds of Homes
Complete coverage for homes of all sizes with IDR Insurance.
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