Covers your belongings — furniture, electronics, clothing, and other personal items — against theft, fire, and other covered perils. Renters insurance covers your property whether it's stolen from your apartment or your car.

Covers legal costs and damages if someone is injured in your rental unit or you accidentally damage someone else's property. Liability coverage protects your assets from lawsuits and claims.

Covers temporary housing and living expenses if your Bend rental is uninhabitable due to a covered loss. With Bend's tight rental market, additional living expenses coverage is especially important.

Covers medical expenses for guests injured in your rental unit, regardless of fault. Medical payments coverage can prevent small incidents from becoming large liability claims.

Covers additional costs you incur if you must temporarily relocate while your rental is being repaired after a covered loss. This includes hotel costs, restaurant meals, and other increased living expenses.

Covers the full replacement cost of your belongings — not just their depreciated value. Replacement cost coverage ensures you can actually replace your items at current prices after a loss.