How Can You Prove You Have Renters Insurance?

Are you overpaying for car, home, or renters insurance? Compare to find out in 45 seconds.
Quotes from up to 45 companies · No long forms · No phone calls
Woman laughing (Photo: @lizaastark via Twenty20)
Renters insurance is one of the most affordable types of insurance you can buy. It doesn’t carry the often-pricey policy rate of, say, car or health insurance, but it can be just as helpful when you need it, so it’s a very good thing to purchase if you’re renting an apartment or house.
In general, renters insurance covers personal property, personal liability, and additional living expenses if your rented home becomes uninhabitable. If something happens to you or your possessions in your home, renters insurance can help you cover the cost instead of leaving it to all come out of pocket.
But, as with other forms of insurance, you may need to occasionally prove that you actually have renters insurance. Here are three ways to do it.

What is proof of renters insurance?

Proof of renters insurance is exactly what it sounds like: proof that you are actually paying for a renters insurance policy on the home you’re renting. With proof of renters insurance, you can show anyone that you and your possessions are insured in your home.

Why do you need proof of renters insurance?

It’s not very often that you need to show proof of renters insurance. The most common reason is because a landlord or leasing office needs to see that you have renters insurance.
Most times when you rent a home, you aren’t legally required to have renters insurance, and the homeowners insurance purchased by the landlord is considered enough protection. However, some landlords and property owners will mandate that anyone leasing their property have a sufficient amount of renters insurance.
If that’s the case at your home, then you’ll need to provide proof of insurance in order to rent the property, or in order to continue with your lease.
There are some less common times you might need to provide proof of renters insurance, such as in order to get a rebate or discount, or to apply for some remote jobs.

Declarations page

The most common proof of renters insurance is a declarations page. You should receive a declarations page when you purchase your renters insurance policy, either in an email that you can print, or a physical copy in the mail. Even if you didn’t, you can still contact your insurance company and have them send you one.
A declarations page is just a piece of paper outlining your renters insurance policy. It will include the start date, expiration date, coverage details, and policy number.

Online proof

While a declarations page is the most common proof of insurance, you can also find proof online. Many insurance companies have smartphone apps, and you’ll be able to log in on the app and show proof of your insurance. You can also log into your account on their website, and find proof of insurance there.

Get in contact with your agency

If neither of these options are available to you, you can have your agency contact the person who needs your renters insurance. They can call or email your landlord, verifying that you hold a renters insurance policy with them.