A career as a travel nurse opens up a world of diverse work environments and opportunities for personal and professional growth. But with frequent travel and changes in housing comes a heightened risk of lost, stolen, or damaged personal belongings. 

Many travel nurses opt for renters insurance to help mitigate this risk, but is it necessary? Renters insurance for travel nurses protects tenants from legal liability and unexpected loss, theft, or damage to personal property. 

In this article, we’ll review the various benefits of purchasing renters insurance for travel nurses, explain policy nuances, and explore ways you can save on your policy. 


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Is Renters Insurance Required for Travel Nurses?

While renters insurance for travel nurses is not explicitly required, many landlords require tenants to obtain it as part of the lease agreement. If you’ve made your own housing arrangements, review the lease or consult your landlord for details about insurance requirements. 

Although uncommon, some travel nurse agencies that provide or subsidize housing may require employees to have renters insurance. If you anticipate living in agency-placed housing during an assignment, research any potential insurance requirements beforehand. 


Is Renters Insurance Recommended for Travel Nurses?

In a world of excitement and unpredictability, renters insurance for travel nurses can bring some much-needed security into the lives of busy travel nurses. 

Renters insurance helps with the costs of unexpected events, also known as “covered perils.” If your belongings are stolen or damaged during a fire, for example, you will be compensated up to your policy’s limit for the value of the affected item(s).

Great coverage and a reasonable price tag make renters insurance for travel nurses an excellent option. Whether you’re staying in apartments, hotels, or your own tiny home during your work assignment, renters insurance can give you the peace of mind you need as you travel. 


Can Travel Nurses Benefit From Renters Insurance?

If you maintain a permanent residence, a renters insurance policy will provide you with personal property and liability coverage as you travel between assignments. The policy applies to you and your belongings, regardless of the location. 

This means you will be covered at home, the airport, work, or anywhere in between. 

As a travel nurse, you will transport your personal property from place to place approximately every 13 weeks. Keeping track of your luggage and valuables during each move can sometimes be challenging. There is no surefire way to protect from theft if your personal belongings are temporarily stored in your car, hotel, or other living arrangement. Additionally, there’s always a risk of your items being damaged by fire, smoke, water leaks, or other unexpected events while you’re working. 

Renters insurance may not be required by your agency, but it will bring added security and peace of mind as you embark on your journey as a travel nurse. 

Looking for your next contract? 

Use Trusted Nurse Staffing’s Pronto job search to find available travel nursing opportunities and take advantage of the excellent benefits we have to offer.


renters insurance for travel nurses


FAQs About Renters Insurance for Travel Nurses


What Types of Renters Insurance Policies Are Common for Travel Nurses?

Renters insurance policies may offer either “actual cash value” (ACV) coverage or “replacement cost value” (RCV) coverage: 

  • Actual cash value (ACV) pays to replace your possessions minus an amount for age, wear, and tear up to your policy’s limit. While this type of coverage will result in less money due to depreciation, ACV policies typically have lower premiums than RCV policies. 
  • Replacement cost value (RCV) pays for a replacement item of the same kind and quality up to your policy’s limit. Replacement cost coverage typically costs around 10 percent more than ACV coverage but is more advantageous in the event of peril.

Both options determine how your insurer will compensate you for personal property damaged by a covered peril. It’s important to understand the pros and cons of each coverage option before settling on a travel nurse renters insurance policy.


do travel nurses need renters insurance


What Does Renters Insurance Typically Cover for Travel Nurses?

Renters insurance compensates you for personal liability, personal property damage, and additional living costs caused by a covered peril such as:

  • Fire and smoke
  • Lightning, windstorms, and hail
  • Explosions
  • Vandalism, riots, and theft
  • Falling objects
  • Snow and ice collapse
  • Mold and water damage
  • Short-circuit damage caused by electrical appliances
  • Damage by aircraft or another vehicle
  • Volcanic eruption

While renter’s insurance covers a wide variety of unexpected events, floods and earthquakes are typically not included in standard policies. If your assignment is in an area prone to these events, you may want to consider purchasing additional coverage.

In addition to the primary coverages, renters insurance may cover losses resulting from the theft and fraudulent use of credit cards or check forgeries. Policyholders may be covered up to $1000. 


Personal Possessions

Personal property coverage helps cover the costs of replacing personal belongings such as clothes, shoes, furniture, electronics, or kitchen appliances that are lost, stolen, or damaged by a covered peril. 

Standard renters insurance policies may not cover certain high-value items. If you are interested in obtaining insurance coverage for expensive medical equipment, jewelry, or electronics, you may want to consider purchasing a scheduled personal property policy.



Liability protection covers you in the event of a lawsuit for bodily injury or property damage done by you, your family members, or your pets. This coverage also helps with the costs of repairs, legal fees, and settlements.

Most renters insurance policies include up to $100,000 of liability coverage. 

The liability portion of your renters insurance policy also includes no-fault medical coverage. Medical payments coverage allows someone who was injured on your property to submit medical bills directly to your insurance company so the bills can be paid without resorting to a lawsuit. 

Liability coverage applies to you regardless of your location — which is a huge bonus for travel nurses as they move between assignments. 


Additional Living Expenses 

Standard rental insurance policies will include additional living expenses (ALE) coverage. 

ALE compensates renters for additional costs incurred if a covered peril has left your home uninhabitable. You may be reimbursed for expenses such as:

  • Restaurant bills
  • Boarding costs for a pet
  • Laundry service
  • Storage
  • Furniture rental


Does Renters Insurance Cover Both a Permanent Apartment or House and a Temporary Residence? 

The short answer is yes.

Personal property and liability coverage follow the insured. This means your personal belongings will be covered by your policy if they are stolen, lost, or damaged by a covered peril at any point during your travels. 

If your bicycle is stolen outside your home, for example, your insurer will cover the replacement cost and may also compensate you for temporary transportation. 

If you are a travel nurse who prefers staying at hotels during your assignments, renters insurance can provide you with at least partial coverage in the event of a theft. Knowing that your treasured items are insured can give you the peace of mind to focus on your job without any added stress. 


renters insurance for travel nurses


How Do I Get Renters Insurance?

Obtaining renters insurance is a fairly straightforward process. Here are some steps you can take to get started:

  1. Create a home inventory — Take note of your personal belongings such as clothing, shoes, furniture, electronics, bedding, towels, etc. Knowing the individual and cumulative values of your possessions will help you decide how much coverage you will need. 
  2. Determine your coverage needs — Decide whether actual cash value or replacement cost value coverage will be best for you. Consider additional factors such as high-value items, flood, or earthquake risk that may require additional coverage. 
  3. Comparison shop — It’s best to shop around and compare policies before purchasing. Gather quotes from a few insurance companies via phone, in person, or online. 
  4. Inquire about ways to save — Depending on your age, lifestyle, or insurance policies, you may be eligible for discounts. The insurer may also offer you a higher deductible and lower premium policy.


Can I Bundle or Save On My Renters Insurance as a Travel Nurse?

Yes. Renters insurance is generally low-cost, but there are still more ways to save. 

While you’re shopping for renters insurance, be sure to get quotes from your existing insurance providers. Most insurance companies offer discounts on multi-policy coverage. For example, you can bundle renters insurance with your home or auto insurance. Bundling can allow you to save money on premiums, pay only a single deductible, and streamline your bills. 

Depending on your age, lifestyle, or insurance history, you may also be eligible for discounts on renters insurance. Some potential ways to save include:

  • Safety precautions in the home — Your renters insurance company may offer a discount if the property is properly equipped with a fire alarm or security system. 
  • Claim history — Insurance companies may give you a lower rate if you have never filed an insurance claim in the past. 
  • Loyalty — Another reason to acquire quotes from your current insurance providers is to see if you qualify for a loyalty-based discount. 
  • Paying upfront — Paying for your renters insurance in one lump sum may reduce the overall cost of your policy.


travel nurse home insurance


Trusted Nurse Staffing: Helping You Plan For Your Next Adventure

From renters insurance to contract nuances, navigating the world of travel nursing isn’t easy to do on your own. 

Trusted Nurse Staffing acts as your go-to for all questions before, during, and after your assignment. Whether you need advice, clarification, or moral support, our team is here to help. 

Ready to start your dream job? 

Trusted Nurse Staffing offers countless benefits for travel nurses, including: 

  • Sign-on bonuses
  • High pay rates
  • Stipends for travel, housing, and meals
  • Flexible contracts
  • Full or part-time work
  • Referral and completion bonuses
  • Dental, health, and vision benefits
  • 24/7 access to your recruiter

Find your dream job with our Pronto job search today and let Trusted Nurse Staffing guide you through your career as a travel nurse.