Two months in a hotel. Progressive can cover up to 40% of your stuff's value for it.
Most renters policies cap the "where do I live now" coverage at a flat few thousand dollars. On the Progressive Home companies it runs to 40% of your personal property limit — and that's before we get to the belongings your landlord's policy was never going to touch.
The short answer
A renters policy covers four things: your belongings, your liability if someone's hurt in your unit, medical payments for a guest's minor injury, and loss of use — the cost of living somewhere else while your place is repaired. The standout here is that last one: on the Progressive Home (ASI) companies, loss of use runs up to 40% of your personal property limit, where a lot of policies cap it at a flat $3,000–$5,000. Your belongings are covered even away from home. Cribb Insurance Group places it as a Progressive Platinum agency and quotes it against 40+ carriers.
Where you live while your place is unlivable.
It's the coverage nobody thinks about until a burst pipe or a kitchen fire puts them in a hotel — and it's where Progressive's home companies quietly outrun the standard policy.
Up to 40% of your personal property limit. On a $100,000 limit, that's up to $40,000 toward hotels, meals and extra costs — not a flat few thousand.
Do the math on a two-month displacement.
Loss of use — sometimes called additional living expenses — pays the gap between your normal cost of living and what it costs to live somewhere else after a covered loss. A hotel, meals above your usual grocery bill, sometimes even pet boarding.
A lot of renters policies cap this at a flat amount, typically $3,000 to $5,000. Progressive states that at ASI — one of the insurers in its network and part of its family of companies — you're covered up to 40% of your personal property limit. Carry $100,000 of personal property and that's up to $40,000 of loss-of-use coverage.
Two months in an extended-stay hotel in Rogers while a fire gets remediated will burn through a flat $4,000 cap fast. The percentage-based limit is the difference between coverage that runs out mid-repair and coverage that sees you through to the other side.
Four coverages, and two add-ons worth knowing.
Your belongings — even away from home
Furniture, clothing, electronics, protected from covered losses like theft, fire and vandalism. And it follows your things off-site: a laptop stolen from your car, gear taken from a storage unit, a suitcase lost while travelling can all be covered up to your limits.
If you're responsible
Covers you if you're legally liable for someone's injury or for damage to their property — including your legal defense. It follows you, not the apartment. And liability limits are inexpensive to raise, so a lease requirement is easy to meet.
A guest's minor injury
Helps with medical costs when a guest is hurt in your unit — regardless of who's at fault. It's the coverage that quietly keeps a small accident from turning into an awkward conversation or a claim.
Somewhere to live
Additional living expenses if a covered loss makes your unit uninhabitable — and, on the Progressive Home companies, up to 40% of your personal property limit rather than a flat cap. See above; it's the reason this policy is worth a closer look.
Two add-ons worth a sentence each.
Water backup covers damage when a drain or sump pump backs up into your unit — a standard exclusion on the base policy that's cheap to add and genuinely common in older NWA buildings. Personal injury extends your liability to things like libel, slander and wrongful eviction claims.
And if you own anything genuinely valuable — a ring, a road bike, camera gear — high-value categories often carry a sub-limit. Scheduling the item (adding a rider) insures that specific piece for its real value. Bring us the list; it's a two-minute fix that prevents a bad surprise.
Your landlord's policy protects the building. This protects everything in it.
This is the single most useful thing to understand about renting, and most people learn it at exactly the wrong moment.
Your landlord carries insurance. It covers the structure — the walls, the roof, the systems. It does not cover a single thing you own inside it. If the building burns, the landlord's insurer rebuilds the building, and your furniture, your clothes, your electronics, your kid's things are simply gone, with nobody responsible for replacing them but you.
Renters insurance is the policy that covers your side of that line. Your belongings, your liability, and somewhere to live while the place is repaired. It's usually one of the least expensive policies a household can own — and it's protecting years of accumulated belongings that would cost a fortune to replace all at once.
If your lease requires it, we'll make the policy match — exactly.
Renters insurance isn't required by Arkansas law, but plenty of landlords and property managers in Benton and Washington County require it as a condition of the lease, and many want proof of a specific liability limit before they hand over keys.
Send us the requirement — the limit, any additional-interest language the property wants listed — and we'll build a policy that satisfies it and get you the certificate the same day. It's the kind of thing that shouldn't hold up a move-in, and with us it won't.
The company behind the policy.
Progressive renters policies are written on the Progressive Home companies — the ASI family. On May 1, 2026, AM Best affirmed the members of The Progressive Corporation, which include those home companies, at A+ (Superior) with a stable outlook. That's the same rating Progressive's auto companies carry, which isn't automatic across an insurer's divisions.
Bundle it and it gets cheaper.
Progressive gives a discount for bundling renters with an auto, motorcycle, boat or other policy, and paying in full up front saves too. If you already carry — or are shopping — Progressive auto, adding renters is often the cheapest coverage you'll ever buy per dollar of protection.
We'll quote the bundle directly and show you the combined number against standalone pricing — and against our other markets, since Progressive is one of 40+ carriers we represent. Send your auto declarations page and we'll build the whole picture.
The policies around this one.
Arkansas renters questions.
What does a Progressive renters policy actually cover?
Four standard coverages. Personal property covers your belongings — furniture, clothing, electronics — from covered losses like theft, fire and vandalism, and it follows your things even away from home, in a storage unit, in your car, or while you travel. Loss of use pays your extra living costs — a hotel, meals above what you'd normally spend, sometimes pet boarding — if a covered loss forces you out of your unit.
Personal liability covers you if you're legally responsible for someone's injury or for damage to their property, including legal defense. And medical payments to others helps with a guest's minor injury in your unit regardless of fault. Water backup and personal injury coverage can be added on top.
How much does loss of use pay on a Progressive renters policy?
This is one of the real reasons to look at Progressive here. A lot of renters policies cap loss of use at a flat amount, typically between $3,000 and $5,000. Progressive states that at ASI — one of the insurers in its network and part of its family of companies — loss of use is covered up to 40% of your personal property limit.
So on a $100,000 personal property limit, that's up to $40,000 of loss-of-use coverage, not a flat few thousand. If a fire or a burst pipe puts you in a hotel for two months, that difference is the whole point of having the coverage. Percentages and limits vary by policy, so let us confirm what applies to yours.
Doesn't my landlord's insurance cover my stuff?
No — and this is the single most common misunderstanding in renting. Your landlord's policy covers the building. It does not cover a single thing you own inside it. If the building burns, the landlord's insurer rebuilds the structure and your furniture, clothes, electronics and everything else are simply gone, with no one responsible for replacing them but you.
Renters insurance is what covers your belongings, plus your liability if someone's hurt in your unit and the cost of living somewhere else while the place is repaired. It's usually one of the least expensive policies a household can own for what it does.
Is renters insurance required in Arkansas?
Not by law. But many landlords and property managers in Northwest Arkansas require it as a condition of the lease, and increasingly they want proof before you get the keys. Even when it isn't required, it's usually worth having — it covers what you've spent years accumulating for a cost most people find surprisingly small, and it adds liability protection that follows you rather than the apartment.
If your lease requires a specific liability limit, tell us and we'll make sure the policy meets it.
Can I cover my expensive things — jewelry, a bike, camera gear?
Yes, and it's worth doing deliberately. Standard personal property coverage protects your belongings up to your policy's limits, but high-value categories like jewelry often carry a sub-limit — a cap within the policy that may be lower than the item is worth.
You can raise that by scheduling the item, sometimes called adding a rider, which insures a specific piece for a specific value. If you own a nice ring, a road bike, or camera equipment, that's a two-minute conversation that prevents a bad surprise at a claim. Bring us the list.
Can I bundle renters with my Progressive auto?
Yes, and it's one of the easier ways to save. Progressive offers a discount for bundling renters with an auto, motorcycle, boat or other policy, and paying your premium in full up front saves as well.
We can quote the bundle directly and show you the combined number against standalone pricing — and against our other markets, since Progressive is one of more than 40 carriers we represent. Send us your current auto declarations page and we'll build the whole picture.
If our insurance guides and coverage comparisons are helpful, mark Cribb Insurance as a preferred source so more Northwest Arkansas renters can find our local explanations.
A renters policy takes about ten minutes.
Tell us roughly what your belongings are worth and whether your lease requires a specific liability limit, and we'll quote it — on Progressive and against our other markets. If you carry auto with us or anywhere else, send that declarations page too and we'll show you what bundling does. It's usually the least expensive policy you'll own for the most it protects.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. We are not Progressive, and this page is not endorsed, sponsored, reviewed, or approved by Progressive. “Progressive” and related marks are trademarks of Progressive Casualty Insurance Company and its affiliates, used here nominatively to identify products we are appointed to place. Progressive renters policies placed by this agency are issued by the Progressive Home affiliates (ASI companies).
This page describes coverage in general terms for informational purposes only. It is not a policy, not an offer of insurance, and not a guarantee of coverage, availability, eligibility, or price. Coverages, limits, deductibles, discounts, endorsements, eligibility and availability vary by policy, by state, and over time, are subject to underwriting approval, and are subject to the terms, conditions, limits and exclusions of the policy actually issued. No coverage limits are stated on this page and none should be inferred. The loss-of-use figure described is Progressive's published description of coverage at ASI as of this page's review date; the percentage and the resulting amount vary by policy and are subject to the policy issued. If anything on this page conflicts with the issued policy, the policy controls.
Examples of losses and expenses are illustrative only and are not a representation that any particular loss would be covered or paid. Whether renters insurance is required is a matter of your lease and your landlord's requirements, not of Arkansas law; confirm your own lease terms. Discounts are not guaranteed and depend on eligibility.
Financial strength ratings are opinions of an insurer's ability to meet its ongoing insurance obligations, are subject to change, are not recommendations to purchase, hold or terminate any policy, and do not address an insurer's claims-handling practices; current ratings are at ambest.com. Rates and premiums are not quoted on this page.
Last reviewed July 2026.