Life Happens - Protect Yourself & Your Family
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For as little as $12 per month you can have rental insurance, just bundle it with your car insurance. If you don't have your own agent, give
Protecting your personal property can be more affordable than you think. Start your free quote and we'll help you save.
How Renters Insurance Works
Renter insurance offers coverage similar to homeowner insurance for people who rent living space, such as an apartment, condominium, or single- or multi-family home.
The landlord generally buys insurance coverage to protect his or her interest, such as the building, loss of rents, liability, etc. It does not cover your property.
What a standard renter policy includes
Renter insurance is normally a special package that combines coverage for:
- Personal liability - Provides protection against claims someone else makes against you.
- Premises medical coverage - Pays the medical expenses of others accidentally injured on the property you rent.
- Additional living expense - Pays for your living expenses if the living space you rent is deemed unlivable and have to stay somewhere else temporarily.
- Personal property (contents) coverage - Standard renter policies only cover the actual cash value at the time of the loss. Some personal property, like gold or jewelry, has a specific dollar limit that the policy will cover.
The limits in your policy may be less than the value of your property, so you may want to purchase additional coverage to cover it.
Remember FIRES -FLOODS -DISASTERS happen. It is not the landlords responsibility to cover your personal property. It is up to each of you to obtain your own insurance and develope a personal policy to cover all of your needs.