Auto, home or renters?
Which one you need, and which one people forget.
video coming soon — the written version is below
Most people need one of these, and many need two.
Auto covers the car. Home covers the house. Renters covers what’s yours inside someone else’s.
Which one is which
Auto
Your car, and what happens when you drive it.
Auto coverageHome
The building you own, and everything in it.
Home coverageRenters
Your things and you, but not the building.
Renters coverage
Here’s what each one usually covers, side by side:
| Auto | Home | Renters | |
|---|---|---|---|
| Your car | Yeswith collision and comprehensive | No | No |
| The building you live in | No | Yes | Noyour landlord’s job |
| Your things | No | Yes | Yes |
| You, if someone sues | Yesfor driving | Yes | Yes |
| Somewhere to stay after a covered loss | No | Yes | Yes |
The one people forget
Renters. If you rent, your landlord’s policy covers the building: the walls, the roof, and the landlord’s own liability. It doesn’t cover your furniture, your laptop or your clothes, and it won’t defend you if a guest is hurt in your home.
Your landlord’s policy
- The building itself
- The landlord’s own liability
- Anything that belongs to you
Your renters policy
- Your belongings
- You, if someone is hurt at your place and sues
- Somewhere to stay after a covered loss
That’s what renters insurance is for.
If you have more than one
- Car and a place to live? Most people need auto plus home or renters.
- Same carrier, or two? Keeping them together can be simpler, and some carriers price policies together differently than apart.
- Elona checks it both ways and shows you the difference, so you can decide.