Renters Insurance
Renters Insurance
Affordable renter's insurance plans that cover your personal belongings, liability, and unexpected living expenses. Don't let an unexpected event leave you without the things you've worked hard for. Your landlord's insurance covers the building — not your stuff.
What Renters Insurance Covers
Renters insurance is one of the most affordable and overlooked types of coverage. For just a few dollars a month, you can protect everything you own inside your rental home or apartment.
Get A Free QuotePersonal Property Coverage
Covers your furniture, electronics, clothing, and other belongings if they are stolen or damaged by a covered event like fire or water damage.
Liability Protection
Covers legal and medical costs if someone is injured in your rental or if you accidentally damage someone else's property.
Additional Living Expenses
Pays for hotel stays and meals if your rental becomes uninhabitable due to a covered loss.
Medical Payments Coverage
Covers minor medical bills for guests injured in your home, regardless of fault.
Why You Need Renters Insurance
Many renters assume their landlord's insurance covers their belongings — it doesn't. Your landlord's policy only covers the building structure. Everything inside your apartment — your laptop, TV, furniture, and clothes — is your responsibility to protect.
Your Landlord's Policy Doesn't Cover You
Your landlord's insurance covers the building, not your personal belongings or liability.
Surprisingly Affordable
Renters insurance typically costs less than $20 per month — less than a streaming subscription.
Covers You Away From Home
Many policies cover your belongings even when they're stolen from your car or a hotel room.
Required by Many Landlords
Many landlords and property managers now require proof of renters insurance before signing a lease.
Frequently Asked Questions
Does my landlord's insurance cover my belongings?
No. Your landlord's insurance covers the building structure only. Your personal belongings — furniture, electronics, clothing, and more — are not covered unless you have your own renters insurance policy.
How much renters insurance do I need?
A good starting point is to take an inventory of your belongings and estimate their total replacement value. Most renters are surprised to find they own $20,000–$30,000 worth of personal property. Our agents can help you determine the right coverage amount.
Does renters insurance cover roommates?
Standard renters insurance typically covers only the named policyholder. If you have roommates, each person should have their own policy, or you can ask about adding them as additional insureds.
What events are covered?
Most renters insurance policies cover fire, smoke, theft, vandalism, water damage from burst pipes, and certain weather events. Flood and earthquake damage typically require separate policies.
Ready to Get Protected?
Our experienced agents are ready to help you find the right coverage at the best price. Contact us today for a free, no-obligation quote.