Renters Insurance

Isn't my landlord responsible for insuring my apartment or rental home?

In these economic times, more people are choosing to rent than to buy a home. If you rent, your landlord may not be responsible for damage or loss to your possessions or for your personal liability. Your valuables should be protected, regardless.

When you choose to buy a Kemper Renters policy, your valuables may be covered for losses resulting from:  

  • Fire and lightning
  • Smoke damage
  • Windstorm and hail
  • Explosion
  • Theft, burglary and robbery
  • Vandalism or malicious acts
  • Window glass damage in the rented space (if insured is liable)
  • Falling objects
  • Collapse caused by weight of ice, snow and sleet
  • Accidental discharge of water from plumbing, heating, air conditioning or household appliances
  • Freezing in plumbing, heating, air conditioning or household appliances

And, you may have coverage for:

  • Additions or alterations
  • Additional living expense
  • Personal property at home and away from home
  • Credit card, fund transfer card, forgery and counterfeit money
  • Damage to property of others
  • Debris removal

Be sure to ask your agent today about Renters discounts that may be available to you.

What else do I need to know?

Kemper can help you with your Renters insurance needs. Talk to your Independent Agent today. If you don’t have an agent, find one now.

Go to Kemper Personal and Commercial Lines

Kemper Personal and Commercial Lines provides products and services for individuals, families and businesses who want protection for their homes, vehicles and other valuables and sells through an exclusive network of independent agencies.

Go to Kemper Direct

Kemper Direct provides Auto, Home and Renters insurance to people who are comfortable buying insurance directly online or by phone with one of our licensed professionals. 


All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances current policy contract language prevails. Products, services and discounts referenced herein are not available in all states or in all underwriting companies. Furthermore, the products and prices of our various Kemper business segments differ. Coverage is subject to individual policyholders meeting the applicable underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.