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Renters Insurance

Don’t assume your landlord’s insurance policy will protect you in case of theft, flood, or fire. While your landlord should have insurance, a landlord’s insurance policy only protects the landlord’s belongings and the building — not your personal items. Renters insurance is a cost-effective way to protect your belongings if the unthinkable happens.

What Does Renters Insurance Cover?

An insurance policy for a tenant covers many of the same things as a homeowner’s policy from your clothing and electronics to furniture and more. Your personal items will be protected against theft, fire, and some forms of water damage both at home and in your vehicle when you’re moving or traveling.

This type of policy also offers coverage against accidental damage you cause to someone else’s property and liability insurance if you are sued by someone else for an injury in your home. With a renters policy, you will be covered if a bathtub overflows and causes water damage to the unit below, if someone trips and gets hurt in your apartment, or if someone breaks into your home and steals your belongings.

Your policy will even pay for you to stay somewhere else while covered damage to your apartment is repaired.

How Much Renters Coverage Do You Need?

Your belongings are likely worth more than you think. The average renter has between $20,000 and $30,000 in belongings — none of which is covered by the landlord’s policy.

To get enough coverage, take an inventory of your belongings and choose a “replacement value” policy that pays for new items if yours are damaged rather than giving you the “fair market value” of used items that are damaged or stolen.

Renter’s Policy Discounts

A renter policy is already affordable, but we make it easy to save even more on your insurance premiums with discounts:

Multi-policy discount

Home monitoring discount

Retired discount

Claim-free discount

Request a Quote for a Renters Policy

You can get thousands in coverage for your belongings for less than one dollar a day! Don’t leave your personal property unprotected; contact us today for a quote for a comprehensive renter policy that gives you the coverage you need.






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