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As a renter, it is essential to protect your dwelling, personal property, and yourself against theft, fire, liability and natural disaster. In the event of a disaster and you’re forced to live somewhere else temporarily this insurance can help pay your additional living expenses. Even if your landlord has property insurance, it might not cover your personal belongings in the case of a disaster or theft. Renters Insurance can also help you save money when you package it with your auto policy and have the same carrier.
When you hire us, we work for you, not the insurance companies.
Common Renter's Insurance Discounts
Multiple Policy Discount
Safe Home Discount
Automatic Payment Discount
Claims Free Discount
Early Shopping Discount
Frequently Asked Renter's Insurance Questions
Why do I need Renters Insurance?
You need renters insurance to cover you if any of your furniture, electronics, books, or other belongings get damaged or destroyed. Renters insurance also covers you in the event that someone else is injured in your apartment or home or someone’s personal property is damaged and sues you.
Will I get enough money to replace my stuff if it gets damaged or destroyed?
That depends on whether you opt for an actual cash value (ACV) or replacement cost coverage policy. ACV coverage pays for the market value of your property at the moment before it was damaged. Replacement cost coverage pays you the full cost of getting a new item to replace the one that was destroyed. As you would expect, replacement cost coverage is more expensive than ACV, but it is usually worth it.
Do I need Renters Insurance even if my landlord has insurance?
Yes. Although your landlord almost certainly has property and liability insurance, your landlord’s policy does not cover the items that you keep inside your apartment or home. And it does not protect you if a guest is injured and sues you for liability.
Do I need Renters Insurance if I rent a Condo, Co-op, or House?
Yes. Renters insurance is important as long as you rent your home. It applies the same whether you rent an apartment, condo, co-op, or house.