Renters Insurance

Low Cost Renter's Insurance from CIG protects your and your stuff.


Do You Rent a Home, Condo, or Apartment?

You Need CIG Renters Insurance to Protect
You and Your Belongings

Did you know your landlord’s insurance usually only covers the building you live in and common areas? As a renter, you need to protect your belongings and yourself in case someone is injured while visiting or there is a lawsuit. A CIG Renters policy provides property and liability coverage for you and your family. You can also expand your coverage to protect your home office, sports equipment, jewelry, art, antiques, and other valuables.

A CIG Insurance Advisor can review your policy and help make sure you have the right coverage for your unique lifestyle.

CIG Renters Insurance Highlights

Comprehensive Coverage

We are here to protect you and your family and to help you return to life as usual after a loss. CIG provides customized protection based on what’s important to you and what you own. Our Renters coverage will replace your valuables, provide a defense if you are sued, and pay for medical and property damage of others after an accident if you are legally liable.

CIG Rent provides:

  • Broad coverage for personal property
  • Additional expenses you incur when your home is uninhabitable after a covered loss
  • Personal liability and medical payment protection
  • Specialized protection for small watercraft*
  • Individual coverage for your valuable property
* Policy limitations apply.

CIG Rent insures:

  • Personal liability, worldwide
  • Medical coverage for injured guests, regardless of fault
  • Furniture and owned appliances
  • Home electronics and audio equipment
  • Computer equipment
  • Jewelry, furs, and fine art
  • Expenses related to identity fraud
  • Bicycles, golf clubs, and other sports equipment
  • Golf carts
  • Firearms
  • Small boats

CIG Rent covers financial loss or damages from:

  • Fire
  • Theft or unauthorized use of credit/debit cards
  • Wildfire
  • Storms and high winds
  • Smoke damage (after a covered loss)
  • Explosion
  • Ice, snow, freezing conditions
  • Water (excluding flood waters)
  • Identity fraud
  • Personal Injury (such as libel or slander)

CIG Rent responds with:

  • CIG On-the-Spot Response
  • FastTrack Processing™ of claims
  • Additional living expenses
  • Unlimited identity fraud prevention and resolution services
  • Personal property replacement, if purchased

CIG Rent can provide financial protection for:

  • Loss or damage to your personal property from theft, break-ins, fire, wind, hail, and more
  • Medical expenses for injuries incurred by your guests (regardless of who is responsible)
  • Personal liability protection if you are sued or held responsible for another person’s injuries
  • Liability protection if you are held responsible for damage to another person’s property
  • Removal of damaged property after a covered loss
  • Reasonable repairs you need to make to prevent further damage to your property

ID Theft Protection at No Extra Charge

Identity (ID) Fraud Expense Reimbursement is standard, at no additional cost to you, with your CIG Rent policy. You will be reimbursed for up to $15,000 for lost wages, reasonable attorney fees, resolution proceedings, and recovery expenses in the event that your identity is compromised, at home, at work, on the Internet, or while you travel.  You’ll also have round-the-clock access to CIG’s ID Fraud Resolution Helpline.

  • Your CIG Rent policy includes a zero deductible ID Fraud Expense Reimbursement coverage at no additional premium charge.
  • Our CIG ID Fraud Resolution Helpline provides round-the-clock access to experts ready and able to help you prevent identity fraud exposure. They are also available to advise you on steps you can take to reduce your risk of becoming a victim of ID fraud.
  • If you become the victim of ID fraud, we will assist you in restoring your identity. Professional counselors are available 24/7 to help you recover your identity, whether your case is simple or complex.

Call the CIG ID Fraud Resolution Helpline at 1-877-404-3372.

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Learn More About CIG Identity Theft Protection

Extended Protection for Home Offices

If you work or run a business from home, like so many people now do, don’t let a loss put you out of commission. Think about what it might cost to replace your business property after a theft, fire, or unforeseen covered loss occurs. Adding extended Home Office Insurance coverages to your CIG Rent policy can help protect you from the devastation of theft, destruction of computer equipment and software, business interruption, and home business liability. Ask your CIG Insurance Advisor about the Home Office protection that’s right for you.

Did you know that the majority of home-based businesses are not properly insured? Many people don’t realize their homeowners or renters policy doesn’t cover loss or damage to a home office. A CIG Insurance Advisor can explain what your Renters policy covers, what it doesn’t, and why you might need extended coverage with Home Office protection.

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Home Office Insurance

Sports and Home Equipment Coverage

Unbeatable Extra Protection for Golfers and Sports Enthusiasts

Grown-ups love their toys just as much as kids. That’s why it’s no fun when your skis, bikes, golf clubs, fishing gear, snowboards, or tennis racquets are lost, stolen, or damaged. CIG Sports and Home Equipment coverage provides enhanced protection to help make sure nothing spoils your fun at home or away, on the bunny trail or bike trail.

We know how valuable your golf and sporting equipment is and what it might cost to replace. Contact a CIG Insurance Advisor to discuss coverage details and see if you need to add this important protection to your CIG Rent policy.

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Learn More About Sports and Home Equipment Coverage


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Coverage descriptions are for illustrative purposes and are intended solely to provide a general overview of potential coverage. Information included does not represent a contract or any other obligation. Only an insurance policy can define actual terms, conditions, rates, and exclusions. Please consult your CIG Insurance Advisor for complete details. Coverage is available from CIG for Homeowners, Renters, Condo Owners, and your personal automobiles in California, Nevada, Oregon, and Washington. Types of policies and coverage may vary from state to state.