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Renters

RENTERS INSURANCE

Protect What You've Built, Wherever You Live.

Renters insurance protects the belongings and personal risks that a landlord’s building policy generally does not cover. It can be an affordable way to protect daily life.

  • Furniture and personal belongings
  • Personal liability
  • Temporary living expenses
  • Deductible options

PROTECT YOUR SPACE

Your Home Doesn't Have to Be Yours to Protect.

Your apartment may belong to the landlord, but your furniture, clothing, electronics, and financial responsibilities belong to you.

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5 REASONS

Why Consider Renters
Insurance?

Renters coverage can help replace belongings after a covered event such as theft, fire, or certain types of water damage.
1

Protect Your Belongings

Coverage follows many belongings away from home as well, subject to policy limits and exclusions.
2

Help Protect Your Investment

Personal liability coverage can help if you are legally responsible for an injury or accidental property damage.
3

Liability Protection

Additional living expense coverage may help with temporary housing when a covered loss makes your rental unfit to live in.
4

Additional Living Expenses

A renters policy can provide meaningful protection without the cost of insuring the building itself.
5

Peace of Mind

A landlord’s policy generally protects the structure and the owner’s liability. It usually does not replace a tenant’s possessions after a covered loss.

INSURANCE EDUCATION

Understand What Your Renters Policy Covers.

Your policy should reflect what you own, where you live, and the amount of liability protection that feels appropriate.

  • Replacement cost choices
  • Home inventory records
  • Extra coverage for valuables
  • Policy limits and exclusions

GOOD TO KNOW

Your landlord's insurance usually isn't designed to protect your belongings.

A simple room by room inventory can reveal how quickly the value of clothing, furniture, kitchenware, and electronics adds up.
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WHAT CAN BE PROTECTED

Coverage Designed Around
Your Life.

Replacement cost coverage generally pays the cost to replace covered belongings, while actual cash value may subtract depreciation.

Personal Property

Personal property coverage can protect everyday items up to your selected limit, with special limits for certain valuables.

Personal Liability

Liability coverage can help with covered legal, medical, or property damage costs when you are responsible.

Additional Living Expenses

Additional living expenses can cover certain added housing and meal costs while a covered claim keeps you out of your rental.

CUSTOMER EXPERIENCE

A Difference You Can Feel.

“
We make it easy to estimate belongings, compare deductibles, and understand the protections included in the policy.

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RENTERS INSURANCE FAQ

Common Questions About Renters
Insurance

I expected renters insurance to be confusing, but the agent made it simple and helped me choose coverage that fit my apartment and budget.
Question 1
Many policies require health questions and some require an exam. Other options use simplified underwriting, but eligibility, price, and available limits can differ.

Major life changes can affect your insurance needs. Updating your policy after adding a vehicle, remodeling your home, or purchasing valuable items can help ensure you have the right coverage.

Your coverage should reflect your current needs and circumstances. Regularly reviewing your policy with your insurance agent can help identify gaps and make sure your protection stays up to date.