Renters Insurance Answers

Straight answers to every renter’s insurance question.

What HO-4 covers, when to file a claim, how to value your stuff, and whether that deposit deduction is legit.

Tools

Coverage Checker
Instantly see if standard renters insurance covers your item or peril, keyed to the HO-4 form.
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Claim-Worthiness Calculator
Weigh the damage against your deductible, likely premium increase, and claim-history risk before you file.
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Inventory Estimator
Roughly tally your belongings room by room and see if your policy’s personal property limit is enough.
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Deposit Deduction Checker
Check whether your landlord’s deduction is legit — key in your state and charge type for a straight answer.
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