Renters Insurance
Affordable, high-impact protection for your personal property and liability when leasing an apartment or home.
Operational Risk Profile
Many renters falsely assume their landlord’s insurance protects them. It does not. Your primary exposures include total loss of your personal assets due to an apartment fire or theft, displacement costs if the building becomes unlivable, and personal liability if your dog bites a neighbor or a guest slips inside your unit.
Core Coverage Considerations
While every renter has a unique risk profile, a foundational risk management strategy typically includes the following core coverages.
Personal Property (Contents) Coverage
Replacement cost coverage up to your selected policy limits for the belongings you own inside the unit, from laptops and televisions to clothing and furniture.
Additional Living Expenses (ALE)
Pays for your temporary housing, hotel bills, and food if a fire or major leak forces you out of your apartment while the landlord repairs the building.
Personal Liability
Protects your future earnings and savings by covering legal fees and medical bills if you are found legally responsible for an injury inside your apartment.
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