Does Furnished Finder Provide Insurance? What Landlords and Tenants Should Know

When you rent or list a furnished property, insurance may not be the first thing on your mind. But it is important to understand who is responsible when belongings are stolen, property is damaged, or someone is injured.

So, does Furnished Finder provide insurance?

Furnished Finder gives landlords and tenants access to several insurance and protection options through third-party partners. These include renters insurance for tenants, property insurance for landlords, and a Damage Protection Plan for certain types of accidental tenant damage.

These products serve different purposes and are not interchangeable.

What insurance options are available through Furnished Finder?

There are three primary insurance and protection options available through Furnished Finder:

Furnished Finder helps landlords and tenants access these options, but the underlying policies and protection plans are provided by partner companies.

Renters insurance for Furnished Finder tenants

Tenants can purchase renters insurance (opens in new tab) right from their Furnished Finder dashboard. Coverage is offered through partnerships with Sure and Assurant.

Renters insurance is generally designed to protect the tenant rather than the building itself. Depending on the policy, coverage may include:

• Personal belongings

• Personal liability

• Certain accidental damages

• Additional living expenses after a covered loss

A landlord’s property insurance typically does not cover a tenant’s furniture, clothing, electronics, or other personal belongings. That is one of the main reasons tenants may want their own renters insurance policy.

Some landlords also require tenants to provide proof of renters insurance before moving in.

How to get renters insurance

Tenants can begin the process by:

1. Visiting the Renters Insurance page on Furnished Finder (opens in new tab).

2. Click on "Get My Quote".

3. Enter the rental address and your mailing address.

4. Answer the questions used to determine eligibility and provide a quote.

5. Review the quote and coverage details before purchasing.

Pricing is personalized. It may vary based on the rental’s location, the property, and the coverage selected.

Policies purchased through Furnished Finder are issued for a 12-month term and automatically renew. Tenants who need to change an address, cancel a policy, or discuss a shorter coverage period should contact Sure directly (opens in new tab).

For a shorter stay, review the cancellation terms before purchasing. Contact Sure with questions about ending or modifying the policy.

Insurance options for Furnished Finder landlords

Landlords should begin with insurance designed specifically for rental properties.

A traditional homeowners policy may not provide the same protection when a property is rented to someone else. Furnished Finder therefore recommends that landlords confirm they have appropriate landlord or rental-property coverage before listing.

Furnished Finder landlords can access landlord property insurance through Steadily (opens in new tab).

Depending on the policy, landlord insurance may help cover:

• Damage to the building

• Certain landlord-owned items inside the property

• Liability claims

• Loss of rental income after a covered event

Specific protections, deductibles, and exclusions vary by policy. Landlords should review their coverage with the insurance provider and confirm that it is appropriate for furnished monthly rentals.

What is the Furnished Finder Damage Protection Plan?

Landlords can purchase a Damage Protection Plan (opens in new tab) through RentalGuardian for a Furnished Finder stay. The cost is charged for each 30-day period of coverage.

The plan may help cover certain accidental damage caused by a tenant during a covered stay. It is separate from the landlord’s primary property insurance.

Depending on the plan selected, protection may be available for qualifying damage involving:

• Furniture and other contents

• Walls, floors, and ceilings

• Windows

• Pet damage at pet-friendly properties

• Bed bug remediation

• Certain liability claims involving an injury at the property

The Damage Protection Plan is not landlord insurance. It is designed to complement an existing landlord policy rather than replace it.

What does the Damage Protection Plan not cover?

The plan does not cover every property-related expense. Furnished Finder identifies several exclusions, including:

• Normal wear and tear

• Intentional damage

• Pre-existing damage

• Claims without a signed lease

• Linens

• Early lease termination costs

Other terms and exclusions may apply. Landlords should review the complete Damage Protection Plan information (opens in new tab) and applicable plan documents before enrolling.

Keeping a signed lease is especially important. Claims without a qualifying signed lease may not be eligible.

Landlords should also document the property’s condition before move-in. Photos, videos, and a written inventory can make it easier to distinguish new accidental damage from normal wear or a pre-existing issue.

How much does the Damage Protection Plan cost?

Furnished Finder currently offers three Damage Protection Plan levels. Pricing is charged for each 30-day period:

The plans have different limits for contents, real property, liability, and bed bug remediation.

Standard contents and pet-damage claims include a $150 deductible. Landlords can add deductible-reduction coverage for $25 per month, reducing the deductible to $0 for qualifying contents and pet-damage claims.

Pricing and plan terms may change. Review the latest Damage Protection Plan information before purchasing coverage.

Do landlords still need a security deposit?

Yes, for most properties. The Damage Protection Plan and a security deposit solve different problems, and pairing them is usually the stronger move.

A security deposit was never designed to fully protect you. Collecting on it means proving damage and negotiating with a tenant, and that process often falls short of covering real repair costs.

The Damage Protection Plan closes that gap. It covers accidental tenant damage, from furniture to floors and more, for about $55 a month, and claims go to a dedicated team rather than a landlord-tenant negotiation. But it only applies to covered events under its terms. It excludes normal wear and tear, early termination costs, and other common expenses a deposit may still need to cover.

That's why the two work best together. With the Plan in place, you can typically lower your deposit to $250–$500. Without it, plan on charging closer to $1,000–$1,500 to realistically cover repairs.

What coverage should Furnished Finder landlords consider?

A landlord’s protection strategy may include several layers:

• Landlord insurance: The primary policy protecting the rental property, landlord liability, and other ownership risks.

• Damage protection: Additional protection for certain accidental tenant-caused damage during the stay.

• Renters insurance requirements: A lease requirement asking the tenant to maintain coverage for personal belongings and personal liability.

• A security deposit: Funds held and used according to the lease and applicable law.

No single product covers every risk. Landlords should understand what each layer covers and where gaps may remain.

What coverage should Furnished Finder tenants consider?

Tenants should ask the landlord whether proof of renters insurance is required before move-in.

Even when it is optional, renters insurance may provide valuable protection. The landlord’s insurance generally protects the building and the landlord’s interests. It does not normally protect the tenant’s belongings.

Before purchasing a policy, tenants should review:

• The personal-property coverage limit

• The liability coverage limit

• The deductible

• Covered and excluded events

• The policy term

• Automatic renewal terms

• The cancellation process

Tenants should also ask whether high-value belongings require additional coverage.

Frequently asked questions

Does Furnished Finder provide insurance?

Furnished Finder provides access to insurance and protection products through third-party partners. These include renters insurance through Sure and Assurant, landlord property insurance through Steadily, and a Damage Protection Plan through RentalGuardian.

Does Furnished Finder offer renters insurance?

Yes. Tenants can access renters insurance through Furnished Finder (opens in new tab). The insurance is offered through partnerships with Sure and Assurant.

Is renters insurance required to use Furnished Finder?

Furnished Finder does not require renters insurance, but individual landlords may require proof of coverage as part of their lease or move-in process.

Is the Damage Protection Plan landlord insurance?

No. The Furnished Finder Damage Protection Plan is not a replacement for landlord insurance. It is intended to provide additional protection for certain accidental tenant-caused damage.

How much does Furnished Finder damage protection cost?

Current prices range from $54.99 to $74.99 for each 30-day period, depending on the plan selected. An optional deductible-reduction add-on may also be available.

Does the Damage Protection Plan cover normal wear and tear?

No. Normal wear and tear is excluded. Intentional damage, pre-existing damage, and several other expenses are also excluded.

Do tenants need a 12-month renters insurance policy?

Policies purchased through Furnished Finder are issued for a 12-month term and automatically renew. Tenants who need to change an address, cancel a policy, or discuss a shorter coverage period should contact Sure directly (opens in new tab).

Protecting your furnished rental

Insurance works best when landlords and tenants understand their separate responsibilities.

Landlords should begin with a policy designed for rental properties. They can then determine whether additional damage protection makes sense for a particular stay.

Tenants should consider renters insurance to protect their belongings and personal liability. They should also confirm any insurance requirements with the landlord before moving in.

Landlords ready to reach tenants looking for monthly housing can list a property on Furnished Finder (opens in new tab).

Tenants can search Furnished Finder (opens in new tab) for furnished monthly rentals that fit their needs.

Coverage, pricing, availability, limits, and exclusions vary. This article provides general information and is not insurance, financial, or legal advice. Review the applicable policy and plan documents before purchasing coverage.