Renter's Insurance

Personal Property Coverage: Protects your belongings—including furniture, electronics, & clothing—against damage from fire, theft, vandalism, & water-related incidents.

Liability Insurance: Helps pay for medical expenses & legal fees if someone is injured in your rental or if you accidentally cause property damage.

Additional Living Expenses Coverage: If your rental becomes uninhabitable due to a covered event, this coverage helps pay for hotel stays, meals, & temporary living costs.

Scheduled Personal Property Coverage: For high-value items like jewelry, collectibles, or electronics, this policy provides additional coverage beyond standard limits.

Replacement Cost vs. Actual Cash Value Coverage: Choose between a policy that reimburses you for the full cost to replace items or one that factors in depreciation.
Flood & Natural Disaster Coverage: Standard renters insurance doesn’t cover flood or earthquake damage, but we offer specialty policies to keep you protected.

We help you find the right balance of coverage & affordability, ensuring your policy meets your specific needs.

If disaster strikes, we guide you through the claims process, making it as quick & stress-free as possible.

We’ll help you find discounts for bundling renters insurance with auto coverage or installing security features in your home.

Frequently Asked Questions

Is renters insurance required by landlords?
Many landlords require tenants to carry renters insurance to ensure they have coverage for personal property & liability. Even if it’s not required, having a policy is a smart way to protect yourself from unexpected expenses.
What does renters insurance cover?
Renters insurance covers personal belongings from damage or theft, provides liability protection, & can help cover temporary living costs if your rental becomes uninhabitable. It does not cover structural damage to the building, which is your landlord’s responsibility.
Does renters insurance cover my roommate’s belongings?
No, renters insurance only covers the policyholder’s belongings. If you live with a roommate, they’ll need their own policy to protect their personal property.
What happens if I accidentally damage my rental unit?
If you accidentally cause damage—such as a kitchen fire or water damage—liability coverage may help pay for repairs, preventing you from paying out of pocket.
Can I get renters insurance if I have a pet?
Yes! Renters insurance can include pet liability coverage, which helps cover medical costs if your pet injures someone. Some policies have breed restrictions, so we’ll help you find the best option.