Renters Insurance

Renters insurance protects you when you rent a home or apartment. It covers your personal belongings, from furniture and electronics to clothes, against covered events like theft, fire, and certain water damage, and it includes personal liability if someone is hurt in your place or you accidentally damage someone else's property. Your landlord's policy covers the building, not your things or your liability, which is where renters insurance comes in.

Replacing everything you own out of pocket after a fire or burglary is far more expensive than most people expect, and a liability claim can be worse. Renters insurance is one of the most affordable policies you can buy, often just a few dollars a month, and many landlords now require it. It also usually includes loss of use, which helps pay for a place to stay if your rental becomes uninhabitable after a covered loss.

Do you want actual cash value or replacement cost on your belongings? Do you own anything valuable like jewelry, a bike, or camera gear that may need scheduled coverage? How much liability protection makes sense for you? Would bundling renters with your auto policy lower both? Ask us and we'll help you right-size it.