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D & E Insurance Agency

1903 N Main St,
Muskogee, OK 74401

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D & E Insurance Agency Blog

What are the three major parts of a renters insurance policy?

A renters policy refers to a group of insurance coverages developed to help those who rent rather than own a condo or home. According to the insurance specialists at D & E Insurance Agency in Muskogee, OK, a standard renters insurance policy consists of three coverage types.

Three Major Parts Of Renters Insurance

Personal Property

This part of a renters policy provides coverage (up to policy limits) for your personal belongings should the insured individual face a fire, theft, vandalism, or water damage in the property. The policy reimburses the cost of replacing/repairing damaged or stolen personal items.


Liability coverage protects the insured if found to be legally responsible for the cause of bodily injury or property damage to others. For instance, if a visitor is injured in your rented home – caused by the insured/renter’s negligence, this part of the policy may cover expenses should the injured party sue for damages. It also extends to damage or injuries the insured may cause to someone else’s property.

Additional Living Expenses (ALE) After A Covered Loss 

Should the home your rent become uninhabitable, caused by a defined covered event like a fire or severe storm, the part of the coverage will help with the expenses of temporary living arrangements – meals, hotel bills, or even another rental home.

Note that optional coverage/riders/endorsements may be added. These may include identity theft protection or specific coverage for high-value items, among others.

Contact Us Today

For information about how you can customize a renter’s policy to fit your specific requirements for protection, contact the licensed insurance professionals at D & E Insurance Agency. We look forward to serving your rental insurance needs in and around the greater Muskogee, OK area.

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