Coverage Explorer
Your Rental, Protected
Your landlord insures the building — not your belongings or your liability. Renters insurance is inexpensive and covers a surprising amount. Explore your space below. General education, not a coverage determination — your GSP agent confirms your specific policy.
Tap a marker on the home to explore each risk and how coverage generally responds.
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01
Your Belongings
The landlord covers the building, NOT your stuffThe risk
The landlord covers the building, NOT your stuff. Furniture, electronics, clothing, and everything you own can be lost to fire, theft, or water damage — and the landlord’s policy does nothing for it.
The coverage
Personal property coverage. Renters personal property coverage generally pays to repair or replace your belongings after a covered loss, often even when they’re away from home. Replacement-cost (vs. actual-cash-value) settles closer to today’s prices.
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02
Liability
A guest is injured, or you cause damageThe risk
A guest is injured, or you cause damage. If someone is hurt in your rental, or you accidentally cause water or fire damage that affects other units, you can be held responsible — and many landlords now require renters liability coverage in the lease.
The coverage
Personal liability coverage. Renters liability generally covers injuries or damage you’re responsible for, up to your limit, including some legal costs. It’s one of the most valuable parts of a low-cost policy.
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03
Loss of Use
A covered loss makes your place unlivableThe risk
A covered loss makes your place unlivable. If a fire or other covered event forces you out, you still have to live somewhere — hotels and extra costs add up fast.
The coverage
Loss of use / additional living expense. Loss-of-use coverage generally helps with temporary housing and extra living costs while your rental is repaired after a covered loss.
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04
Theft
Break-ins — and theft away from homeThe risk
Break-ins — and theft away from home. Theft isn’t limited to your apartment; a stolen laptop from your car or a bag taken on a trip is still your loss.
The coverage
Theft coverage (on and off premises). Renters coverage generally includes theft of your belongings whether at home or away, subject to your limits and any special sub-limits for high-value items.
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05
Water Backup
A drain or sewer backs up into your unitThe risk
A drain or sewer backs up into your unit. Sewer or drain backups can ruin belongings on a lower floor and are NOT automatically covered by a standard policy.
The coverage
Water backup coverage (add-on). Adding water-backup coverage generally protects your belongings when a sewer or drain backs up — an inexpensive endorsement worth considering, especially at ground level.
This Coverage Explorer is general education only and is illustrative. It describes common renters exposures and how coverage generally responds — it is not insurance advice, a quote, or a coverage determination, and it does not amend, modify, or supplement any insurance policy. Actual coverage, exclusions, deductibles, and limits are governed solely by the terms of your issued policy. No coverage can be bound, changed, or confirmed through this tool. For guidance on your specific situation, speak with a licensed GSP Insurance Group producer and refer to your actual policy.
Questions about your coastal coverage?
Every home is different. Talk with a licensed GSP producer and we'll review your specific policy and exposures.