Renters Insurance

Renters Insurance

Renters insurance is a policy designed for those who rent out a living space and want to protect their personal property. Although your landlord may have an insurance policy, it only protects the physical structure of the building, and not your individual belongings. With a renters insurance policy,    you can cover your property against losses and protect your legal liability.

  • How does a renters policy protect my personal belongings?

A renters insurance policy is made in order to protect the property that you own within a rented living space, and some policies include coverage for small, out-of-pocket alterations that you have made to the property. Renters insurance policies can protect your belongings against events caused by lightning, wind, hail, fire, and theft.

  • How else does a renters policy protect me?

Renters policies can include Loss of Use coverage. This coverage will pay for additional living expenses in case the property you are renting becomes uninhabitable, such as the cost of a hotel room. Many renters policies also include liability & medical payments coverage, which can protect you against payments related to injuries occurring in the property that you rent. However, a renters policy DOES NOT cover your own medical payments.

  • Are renters policies very expensive?

No, renters policies are usually not expensive, and some can actually be quite affordable. If you would like to know more about a renters policy, contact us directly via phone or email!

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