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Coverage Benefits
What Renters Insurance Covers
A standard policy protects you in more ways than you might expect—for less than the cost of a streaming subscription.
Personal Property
Covers your belongings—furniture, electronics, clothing—against fire, theft, vandalism, and water damage. If something happens, you won't pay out of pocket to replace everything.
Liability Protection
If someone is injured in your home or you accidentally damage someone else's property, liability coverage pays for legal fees and medical expenses.
Additional Living Expenses
If your unit becomes uninhabitable due to a covered event, your policy helps pay for temporary housing, hotel stays, and related costs.
Affordable Peace of Mind
Policies start around $12/month—less than most streaming services. It's a small price for big protection and meets your lease requirements.
Renters Insurance FAQs
Common Questions
Answers to frequently asked questions about renters insurance requirements.
Yes. All residents must maintain renters insurance throughout their tenancy with a minimum of $100,000 in liability coverage.
Log into the resident portal, go to the Insurance tab, enter your policy details, and upload your declaration page.
Yes. You can purchase through the portal or use any provider you prefer—just upload your proof of coverage.
Yes. VCS Property Management must be listed as an "interested party" on your policy.
Standard policies typically don't cover floods or earthquakes—those require separate coverage.
Renters insurance also won't cover damage caused by neglect, pest infestations, or normal wear and tear. Check with your provider for specific exclusions.
We require a minimum of $100,000 in liability coverage.
For personal property, take inventory of your belongings and estimate their replacement cost. Most renters find $15,000–$30,000 in property coverage is sufficient, but you can adjust based on what you own.
