Renters Insurance Made Simple

Personal property protection covers the loss of your belongings* if they're stolen or damaged.

If your belongings are stolen or damaged outside of your residence, your renters insurance can help you repair or replace them.

If your belongings are stolen from your home or destroyed by fire, your renters insurance can help you repair or replace them.

Allstate^® Renters Insurance includes coverage that can help you pay for:

• Losses that occur in your residence due to burglary, fire or another covered peril
• Losses that occur away from home such as in a hotel

Keep in mind that a deductible will apply.

* When we refer to "belongings" in this document, we mean personal property as detailed in your insurance policy.

Your Allstate^® Renters Insurance includes protection for other situations, too.

You can file a claim one of three ways:

• Call 1-800-ALLSTATE (1-800-255-7828)
• File a claim on allstate.com
• Call your local Allstate Agent

What happens next?
The claim process will vary based on the extent of damage. Here's the typical process:

• Step 1:
  Protect your personal property from additional damage. Your Allstate Agent can advise you about emergency repairs.
• Step 2:
  Document the damage or loss in writing and with photos or video before repair work begins.
• Step 3:
  Your Allstate claim representative will go over your policy with you to explain which coverages and limits apply.
• Step 4:
  We wrap up your claim by answering any questions you may have and provide you with payment when appropriate.

Resource: Catastrophe Preparation and Claim Information

Bring good to life. From giving back to those around us, to helping rebuild after catastrophes, we're committed to making a difference. See how.

If you temporarily cannot live in your residence due to damage from a peril we cover, you may have to rent another place or stay in a hotel until your residence is ready to move back into.

Additional Living Expense can help by reimbursing you for reasonable increases in living expenses when a loss Allstate covers makes your residence uninhabitable. This may include payments for the cost of a hotel, food and other expenses. This coverage is included in your Allstate renters policy.

Let's say a guest in your residence trips over the rug in your living room and it causes him to fall. You may be found negligent and, therefore, be legally responsible to pay for the injured person's medical bill and lost wages.

Family Liability Protection can help protect you from financial loss if you're legally obligated to pay for another person's injuries or damage to another person's property.

If you or a family member cause injury to another person or damage to their property, your renters policy may help pay for the damages.

If someone injures himself in your residence due to your negligence, your renters policy may help pay for his injuries and any legal costs.

If a guest has an accident in your residence, your renters policy may help.

Guest Medical Protection can help pay for reasonable and necessary medical expenses if someone is injured in an accident in your residence.

If a guest is injured in your residence, Guest Medical Protection may help pay for necessary medical expenses including surgery, x-rays and dental work.

Renters insurance protects a renter from accidental and sudden covered losses. However, there are some losses that aren't covered.

Dwelling and other structures. Physical damage to structures is typically not covered under your renters policy.* Check with your landlord to make sure they carry the appropriate coverage on the dwelling.

Floods, earthquakes and water backup. Floods, earthquakes and water (sewer) backups are excluded from many renters insurance policies.

*Unless it's a covered loss under Family Liability for property that you damaged.