Is There A Deductible On Renters Insurance? 
There is no deductible on Section II of your Renters Insurance Policy ; Section II applies to Personal Liability and Medical Payments to Others , both of which do not require a deductible . If you are purchasing Renters Insurance primarily to provide Personal Liability coverage required by your landlord or simply for the personal protection of your assets from a liability exposure , you will be best served by purchasing a policy with the maximum available deductible . The lowest renters insurance policy premium will be generated by selecting the maximum deductible amount on the policy ; however , the deductible only applies to the Personal Contents -LRB- physical loss -RRB- . It is important to review your policy as there are variations from State to State ; however , Renters Insurance is referred to as a Homeowners Form HO-4 or Renters Form . In most geographic areas , Stillwater Insurance generates the lowest premium for this type of coverage and the policy is available online . You may obtain a Free Renters Insurance Quote and Buy your Renters Insurance Policy Online at : WEBSITELINK Stillwater Insurance , formerly Fidelity National Insurance Group , is an admitted carrier , authorized and licensed in all 50 States . 