Renters coverage covers losses to your personal property if you rent your home, whether you live in a house, duplex or apartment.

Renters coverage from Farm Bureau can protect you from having to start from scratch if you experience a covered loss.

Determine the value of your personal property by using a Farm Bureau Home Inventory Kit.

Special items like jewelry, cameras or electronics may need extended coverage — talk to a Farm Bureau agent about special personal property coverage.

Add liability insurance coverage in case someone is injured while visiting your home or you accidentally injure someone or damage their property while away from your home.

Increased liability coverage is available by adding umbrella liability insurance.

Work with a Farm Bureau agent to choose whether to insure your items for actual cash value or replacement cost.

Replacement cost coverage provides the full amount of what it would cost to replace damaged items. Even if the item has depreciated in value, you will receive the amount of money it would cost to purchase a new, similar item. Limitations may apply to items that are worn out, obsolete or have special value.

Actual cash value coverage reimburses you only for what the damaged item is worth, not the cost of a replacement item. For example, if your 10-year-old refrigerator is damaged beyond repair by a covered loss, you would receive the amount of money a 10-year-old refrigerator is worth, which would be much less than the cost to replace the refrigerator with a new one.

The cost of your insurance, your premium, depends on the coverage you need and any discounts available to you. By insuring your personal property in combination with vehicle, liability and other insurance needs, you can save money with our one-deductible, customizable package policy, Farm Bureau Member's Choice.

Protecting your personal property with renters coverage from Farm Bureau is simple. Talk to a Farm Bureau agent today for a quote on rental coverage.