Renters Insurance

Renters insurance protects your personal belongings, helps with temporary living costs after covered losses, and includes liability support if someone is injured in your rented space.

Why Renters Coverage Matters

• Your landlord’s policy usually protects the building structure, not your personal items.
• Replacing furniture, electronics, clothing, and everyday essentials can cost more than expected.
• Many leases now require proof of renters coverage before move-in.

What a Policy Can Include

• Personal property protection for covered losses like theft or fire.
• Personal liability coverage if a visitor is injured and you are held responsible.
• Guest medical coverage for smaller injury-related costs.
• Additional living expenses for temporary housing after a covered event.
• Optional endorsements for higher-value items and special property categories.

How to Choose Limits

1. Estimate what it would cost to replace all your belongings today.
2. Check your lease requirements and any minimum liability limits.
3. Balance deductible and premium so coverage stays practical and affordable.