Renters Insurance

We are here to help protect your personal belongings in your rental property. Whether it is a house, apartment, condo or college dorm room - you deserve the peace of mind knowing your things are covered.

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What is Renters insurance?

Renters insurance is a type of property insurance that covers your personal belongings and protects you from liability claims. It is not required by law, but it is highly recommended, as it can provide financial protection in the event of a loss.

What renters insurance covers

Personal Property Coverage

Renters insurance can help you replace your belongings if they are lost, stolen, or damaged. This includes items such as furniture, electronics, clothing, and appliances.

Liability Coverage

Renters insurance can protect you from financial liability if someone is injured in your rental property or if you accidentally damage someone else's property.

Additional Living Expenses

Renters insurance can also help cover the cost of staying in a hotel or renting another place to live if your rental property is damaged and uninhabitable.

Even if your landlord has insurance, it will not cover your personal belongings. Renters insurance is the only way to protect your belongings in the event of a loss.

Property protected by Renters Insurance

Furniture

Clothing

Appliances and electronics you own

Art and jewelry (subject to coverage limits)

Sporting good (e.g., bicycles)

Any other property you keep in your home

Property not protected by Renters Insurance

Structure of your apartment/house

Permanent fixtures

Your car

Anything you keep outside of your home

Anything not owned by you (e.g., your roommates or landlord)

Renters insurance covers personal property against specific perils

The central feature of renters insurance is coverage of your personal belongings from common sources of unexpected damage and theft.

Covered perils:

Fire and smoke

Explosions

Theft and vandalism

Wind and hail

Mold and water damages (such as from pipe burst)

Falling objects

Snow and ice collapse

There are some events and items that renter insurance won't cover your personal property. You'll need to purchase separate coverage for these types if incidents. These incidents include: earthquakes, floods, damage caused by pests, rodents & other forms of vermin, and cyber-related losses, such as computer attacks, home systems attacks, cyber extortion, and online fraud.