Renters Insurance

Renters Insurance

Renters’ insurance is an insurance policy which provides most of the benefits of homeowners’ insurance. This includes liability insurance. The tenant’s personal property is also covered against named perils such as fire, theft and vandalism. Renters’ insurance does not include coverage for the dwelling, or structure, with the exception of small alterations that a tenant makes to the structure. The owner of the building is responsible for insuring it, but bears no responsibility for the tenant’s belongings.

One Policy Does A Lot

A renters policy covers all most all of your personal property in your apartment, and in some cases, out of your rental unit.  The insurance extends to your home’s contents and liability for damage to property of others or injury caused to someone by you or a family member. Your policy can be personalized to include greater levels of protection for important property, home office situations, liability for boat ownership.

How Much Renters’ Insurance Do I Need?

The cost of renters insurance and the amount of personal property coverage you need depends on how much your property is worth.

To get a better understanding of your coverage needs, ask yourself the following questions:

  • How much are my belongings worth?
  • Could I afford to buy it all back again if it were destroyed in a fire or stolen?
  • What would I do in the event of a liability lawsuit against me?

And one more thing. If you have ever asked yourself “Do I need renters insurance?” the answer is probably yes.


Contact Us to learn more about the right renters insurance for you.

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Renters Insurance

Renters Insurance Quote