Tenant Insurance
Why Renters Insurance Matters — and How to Get It
If you’re renting a home or apartment, you might assume your landlord’s insurance covers your belongings — but it doesn’t. That policy only protects the building. Renters insurance is what protects you — your stuff, your liability, and your temporary living expenses if something goes wrong. Many landlords now require tenants to carry renters insurance as part of their lease. Whether it’s required or just a smart decision, here’s what you need to know:
What Does Renters Insurance Cover?
- Personal Property – Covers your belongings — clothes, electronics, furniture, kitchenware, and more — if they’re damaged or stolen due to fire, theft, water damage, and other covered risks.
- Liability Protection – Covers legal expenses or medical bills if someone is injured in your home or if you accidentally cause damage to someone else’s property (like a neighbor’s water damage).
- Loss of Use – Helps cover hotel stays or temporary living expenses if your rental becomes unlivable due to a covered event.
How Much Does It Cost?
Most renters insurance policies cost as little as $10–$20 per month and provide thousands of dollars in protection. It’s one of the most affordable ways to protect yourself financially while renting.
How to Get Renters Insurance
1. Click the button below to start a quote.
2. Answer a few basic questions about where you live and what you want to cover.
3. Customize your policy — choose the coverage and deductible that fits your budget.
4. Get covered in minutes — and have peace of mind.
Why It’s a Smart Move
Your landlord’s insurance won’t cover your personal property. Renters insurance can help you avoid major out-of-pocket costs in case of an emergency. It’s affordable, easy to buy, and often required for your lease. Even if nothing ever goes wrong, renters insurance is one of those things you’ll be glad to have — just in case.