Renters insurance

Many people that rent don’t actually know they need renters insurance. Sure, your landlord may have insurance for the building, however, that coverage does not extend to your personal property or liability.
Renters insurance can help protect you from the unexpected. Think what would happen to your furniture, clothing or electronics if there was a fire, sudden water damage from a broken pipe or a burglar broke into your apartment and took your belongings. Now think about what would happen if someone slipped in your kitchen or your pet accidently damaged someone’s property. Renters insurance can help cover your belongings, temporary housing, your legal liability including defense costs, medical bills for others and more.

Fast Facts About Renters Insurance

What does a typical renters insurance policy cover?

Your insurance representative can help you determine the renters coverage that best fits your needs and budget, but a typical policy can cover:

  • Your personal belongings
  • Your personal liability and defense costs
  • Additional living expenses if you cannot live in your rental due to a covered loss or repairs
  • Improvements you make to your rented property

What is improvements coverage for renters?

Coverage for damage to improvements, alterations and installations you’ve made to your rental property. It is also be known as building additions and alterations coverage. If you financed any of these improvements, your lender may require certain coverage options and limits. Think about what it would cost to repair or redo any of these improvements. Then talk it over with your insurance representative.

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Brad M.

Accommodating, professional, helpful, and quick. Very comfortable experience and i was impressed by their capabilities.

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Susan T.

They have strong ties with the community, and its shows. It's nice to do business with people that really show they care about you and your family.

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Carol S.

Over years we've never once had to worry about our coverage. My husband and I are long-time customers and proud to be.