Renters Insurance

Renters insurance protects you when you rent a home or apartment. It covers your personal belongings, such as furniture, electronics, clothing, and decorations. The most common claims are theft, fire, smoke, and water damage caused by plumbing failure. It also covers your personal liability, which protects you in lawsuits stemming from situations such as these: you forget to turn off the burner and catch your apartment building on fire; your child flushes toys and now your apartment and your downstairs neighbors have flooded; you had guests come watch the game at your place and one of them drove home drunk and crashed, and now you're being sued for overserving alcohol. Your landlord's policy covers the building, not your belongings 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 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, which might need its own scheduled coverage? How much liability protection makes sense for you? Would bundling renters with your auto policy lower both? Tell us what you have and we'll create a customized quote.