Renters Insurance Information
What is Renters Insurance?
Although you may not own the place where you are living, you do own the items inside the building such as clothing, appliances, television, computers, electronics and furniture. Your landlord is NOT responsible for protecting those items. That responsibility falls completely on you. The landlord is only responsible for the building.
A renters policy protects your personal items should something happen your belongings such as fire, theft, vandalism, or a lightning strike burns out your computer. The policy also provides liability should happen at your residence that is determined to be your fault. For example, someone visits you and they fall on some of your items and injures himself.
Personal property coverage
- Includes items that belong to you and not considered part of the house. Items such as clothing, electronics and furniture would be considered your personal belongings. Household contents that belong to you that are stored in a detached building (such as hand tools, lawn mower, etc.) would also qualify.
Loss of Use
- Provides money should you need to relocate elsewhere temporarily due to damage from a covered peril. Expenses where this money could be used include hotel room, apartment, laundromat, dry cleaning and meals.
- This coverage pays if you are legally liable for causing bodily injury or property damage to someone else. This coverage also pays for legal expenses.
Medical Payments to Others
- This is no-fault coverage that pays for medical bills sustained by a visitor to your home. For example, your friend trips over something in your house, falls and breaks a leg, through no fault of your own. Medical payments to others will step in and pay the medical bills.
Let us help you find the best value
The same companies that sell homeowners insurance also sell renters insurance policies. We work with top-rated insurance companies and compare options to find the best balance of cost and coverage that meets your needs. We help you compare options, look for discounts, and focus on maximizing your coverage in a way that fits your budget. Give us a call or request a renters quote today!
To learn more about insurance, choose from the topics below.
Renters Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Renters Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.