Renters Insurance
What's included
What It Covers
Personal property
Helps replace your belongings, like furniture, clothing and electronics, if they are damaged or stolen in a covered event.
Belongings away from home
Coverage for your belongings often extends beyond your apartment, for example to items stolen from your car or while traveling, depending on your policy.
Loss of use
Can help pay for temporary housing and other additional living expenses if a covered loss makes your rental unlivable.
Personal liability
Helps protect you if you are found legally responsible for injuring someone or damaging their property, including legal defense costs.
Medical payments to others
Can help pay medical bills for a guest who is injured in your home, usually regardless of fault.
Improvements you made
Some policies can help cover upgrades you paid for in your unit, such as new fixtures or built-in shelving.
Who Needs It
- Tenants renting an apartment, house or condo.
- Students and young professionals living on their own for the first time.
- Renters whose lease requires proof of renters insurance.
- Anyone who wants to protect their belongings and personal liability without owning a home.
Optional Coverages
- Scheduled personal propertyAdds higher limits for valuables like jewelry, cameras or musical instruments that may exceed standard limits.
- Replacement cost coverageHelps replace damaged items with new ones of similar kind and quality, rather than paying their depreciated value.
- Identity theft coverageCan help with expenses and assistance needed to restore your identity and credit after identity theft.
- Flood insuranceFlood damage is usually not included in a renters policy, but contents coverage can be bought separately through the National Flood Insurance Program (NFIP) or a private carrier.
Working with us
How We Help
- 1
Tell Us What You Need
Share a few details about you, your property or your business. It only takes a few minutes, online or by phone.
- 2
We Shop the Market
As an independent brokerage, we compare options from multiple top-rated carriers to find the right fit.
- 3
Review and Get Covered
We walk you through your options in plain language, answer your questions and help you choose with confidence.
Frequently asked questions
Common Questions
Doesn't my landlord's insurance cover my belongings?
Typically not. A landlord's policy usually covers the building and the landlord's own liability. Your furniture, clothing and other personal items generally need their own coverage.
How much renters insurance do I need?
A good starting point is to estimate what it would cost to replace everything you own, from clothing to electronics. You should also choose a liability limit that fits your situation. Our agents can help you take inventory and compare options.
Does renters insurance cover my roommate?
Usually only the people named on the policy and certain relatives living with them are covered. Roommates often need their own policy, though this depends on the carrier.
Is my car covered if it is damaged or stolen?
No, your vehicle itself is covered by your auto policy. However, personal belongings stolen from your car may be covered under renters insurance, subject to your deductible.
Ready to Get Started?
Get a personalized Renters Insurance quote or speak with one of our experienced agents.