Allstate is not clear about all of the events it will cover under a renters insurance policy, but here a few that were mentioned on the website:

• Theft
• Vandalism
• Fire and smoke
• Water damage from your water heater, plumbing, furnace, or air conditioning

Like many other renters insurance policies, you’ll receive coverage for the following areas:

1. Personal Property Coverage

To get protection for the exact amount your personal belongings are worth, take an inventory of your items, and use Allstate’s tool to estimate their value. Allstate will then allow you to choose between a replacement cash value (RCV) or actual cash value (ACV) policy. RCV policies are more expensive, but you get to replace your damaged items with new ones. ACV takes into account depreciation to calculate how much the item is worth now.

In the quote we received from Allstate, it offered $15,000 (Basic Plan), $25,000 (Standard Plan), and $40,000 (Enhanced Plan) for personal property coverage.

2. Loss of Use Coverage

When an event puts you out of your rental temporarily, your renters insurance will cover living expenses, like staying in a hotel room or renting another property.

3. Liability Coverage

If you are held accountable for an incident that caused property damage or bodily injury to someone, your policy will cover the costs. An example of this may be if your pipes burst and damaged the belongings of your downstairs neighbor.

In our Allstate quote, it offered $100,000 (Basic Plan/Standard Plan) and $300,000 (Enhanced Plan) for liability coverage.

4. Coverage for Medical Payments to Others

Your policy will cover guest medical coverage up to a certain amount if they’re injured in your home.

In the quote we received, Allstate offered $1,000 per person for medical payments to others.

Here are the available amounts you can take out for each coverage type in your policy, according to sample North Carolina information our team submitted: