Home is where you keep the things that matter to you. Renters Insurance can help you protect that stuff if something bad happens to it or your rental. The coverage is dependable and costs less than you might think—in some cases, it costs as much as your morning latte. Talk to an agent about a renters insurance quote now.
Even with renters insurance, you may want to look at more policies to further protect the things you own and guard against the unexpected. Your agent can help guide you through the details so you can make choices that fit your needs.
Renters insurance is designed for those who don’t own their own home.
A renters policy covers your belongings if they’re stolen or destroyed, and pays out if you’re responsible for harm to other people or their property.
Renters insurance covers disasters such as fire, theft and windstorms, but generally doesn’t cover flooding or earthquakes.
One of the perks of renting is that it’s your landlord’s responsibility, not yours, to insure the building and make repairs when necessary. But as a tenant, you’re not off the hook completely. Your landlord’s insurance won’t pay to replace your belongings if a storm destroys the building or a thief breaks into your apartment. If you want coverage for these and many other disasters, you’ll need a renters insurance policy.
Renters insurance covers your personal belongings and provides liability coverage when you’re living in an apartment, house or condo that you don’t own.
Also known as tenants insurance or an HO-4 policy, renters insurance is similar to homeowners insurance in that it covers many of the same scenarios — such as fire and theft — but it’s much cheaper because it only includes what’s inside your home and not the structure itself.