Renters Insurance

Protect your property, belongings, and way of life

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Renters face many of the same risks that homeowners do. Your landlord or rental association’s insurance covers the building structure, but it doesn’t cover your personal liability or your belongings in case of a loss. In addition, renter’s insurance will pay expenses if your home becomes uninhabitable due to a covered loss (fire, windstorm, etc).

Rental insurance covers:

Your liability if someone injures themselves on your property
Your personal belongings – furniture, clothing, etc.
Additional living expenses arising from a covered loss

Additional features you can choose for added security:

Replacement Cost on Contents
Additional Coverage for Jewelry, Furs, Antiques, etc.

Frequently Asked Questions

Q: What is renters insurance?

A: Renters (also known as tenant) insurance is a form of personal lines insurance. The typical renters policy has two main sections: 1) covers the property of the insured and 2) provides personal liability coverage to the insured.

Q: What do I need to know when purchasing renters insurance?

The age and structure (brick, frame, etc) of your apartment / home
If you plan to insure any specialty items such as antiques or collectibles, the approximate value of these items

Q: What is replacement cost?

A: When “replacement cost” coverage is used in a policy, a policy owner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices.

Q: Under what circumstances is my personal property covered?

A: Coverage C of a renters policy provides coverage on your personal property up to your policy limit for fire, theft, smoke damage, water damage (except for flooding), etc, and excludes only those events that are specifically named in the policy. Ask us about any specific personal property coverage needs.