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Coverage at a Glance

What Does Renters Insurance Cover?

Can you afford not to get covered after listening to these renters insurance facts?

Did you know that a residential fire occurs every 85 seconds according to the National Fire Protection Association? And, that according to the Disaster Center, there were over 2 million burglaries in the US in 2011?

But a survey conducted by Cambridge Reports, Inc., for the Insurance Information Institute found that fewer than 3 out of every 10 renters purchase Renters Insurance.

If you’re not covered you’re taking a big risk, because your landlord’s insurance doesn’t cover your personal possessions – or your personal liability.

So What Does Renter’s Insurance from Protect Your Bubble Include?

With Renter’s Insurance from Protect Your Bubble you can choose the level of coverage you want – starting from $10,000 worth of protection. That means Protect Your Bubble insures your personal belongings from terrible events like theft, fire, wind, and vandalism.  Protect Your Bubble’s renter’s insurance also includes protection for personal liability – up to $100,000 if you desire.

Personal Property Protection
Our Renters Insurance covers your personal possessions for damage caused by all this and more…

  • Fire or lightning
  • Windstorm or hail
  • Explosion 
  • Smoke
  • Vandalism or malicious mischief
  • Theft
  • Accidental discharge or overflow of water or steam

You’ll find a detailed list of covered perils in your policy document but remember, with our Renter’s Insurance your belongings are covered anywhere in the world.  So what if you have items in storage at a facility other than your home?  That’s covered too.

Personal Liability Coverage
Accidents happen. And if they’re your fault – for instance you burn down your apartment while cooking, or flood it by letting the bath overflow, you could be legally liable for the damage. With our Renter’s Insurance you’re covered for damage caused by:

  • Fire
  • Smoke
  • Explosion
  • Water Damage

According to the Center for Disease Control and Prevention, dogs bite 4.5 million Americans each year, with one in five bites requiring medical attention. If you’re renting and have a pet, you’re liable if that pet bites someone visiting your home.

Renters insurance from Protect Your Bubble covers the medical expenses incurred by a visitor, up to your policy limits, if injured by a pet owned by you or under your care.

Options to enhance your cover

Depending on the state where you live, there are a range of options you can add to your coverage to suit your needs. We’ll show you all the options you can add when you get a quote.

Replacement cost 

Protect Your Bubble renters insurance comes standard with the replacement cost benefit as a default feature.  You can remove it during the quote process – but you may want to keep it in your policy.  Why?  If your personal property is damaged by a covered event we will pay the cost of replacement of the item without deduction for depreciation, less any applicable deductible.

Water backup of sewer or drains

Normally, damage caused by water backup or drains isn’t covered by renters insurance. But you can add it to the tune of $2,500 for each “occurrence” ($5,000 in North Carolina) within only a $250 deductible.


Available for California and Washington renters, this option pays for damage to your personal property as a result of an earthquake. When selected, the benefit amount is equal to the personal property limit with a deductible of 15% of the amount of personal property coverage selected. The limit for additional living expenses is $1,500 in California and 20% of the personal property coverage in Washington. Find our more here.

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All insurance products are offered by The Signal, L.P. The Signal, L.P. is a licensed Insurance agency appointed by American Bankers Insurance Company of Florida and American Security Insurance Company. American Bankers Insurance Company of Florida and American Security Insurance Company are Assurant, Inc. companies licensed to offer insurance products. Protect Your Bubble, the Protect Your Bubble logo, Bubble and Squeak and other Protect Your Bubble trademarks, service marks, graphics and logos used in connection with this website are trademarks of Assurant, Inc. in the United States.