PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
How much personal property coverage do I get with renters insurance?
I own some expensive camera equipment. I want to make sure my gear is covered by insurance when it’s stored at home. How much personal property coverage do I get with renters insurance?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Great question! Your renters policy covers personal property up to your policy limit—but there are some exclusions for electronics.
The first exclusion is based on rarity and cost. Most renters policies exclude very expensive and rare items. Your smartphone may be covered, for instance, but your Arri Alexa kit is probably not covered by a standard policy.
The second exclusion is based on personal vs. professional items. A renters policy is intended for everyday, personal items. If you use your camera gear for business purposes, it may not be covered by a renters policy (even if you store it in your rented apartment).
The third exclusion is a limitation aka the Electronics Limit of Liability. Some renters policies cap reimbursements for electronics up to a certain percentage of the entire policy limit. These items need to be reported in the initial insurance list. For example, let’s say your policy limit is $100,000. Your coverage for electronics may be limited to $1,500, or 1.%.
To make sure your gear is protected, read it closely—or call your agent—to understand your coverage for expensive electronics. Purchase an additional endorsement or separate coverage if your camera equipment is not covered.
If you have any questions about
renters insurance
or if you’re looking for a new policy, reach out to Jerry
. Our friendly agents are just a text or phone call away! The Jerry app is the fastest way to find a cheap policy with the right coverage. You can compare rates and sign up for a policy in seconds. Hope this was helpful!
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
.webp&w=384&q=75)
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance for Your Car
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
