Your landlord's insurance covers the building — not your belongings, not your liability, not your hotel bill if there's a fire. Renters insurance covers you, and it's one of the most affordable policies available.
Many renters assume the building owner's policy protects them if there's a fire, theft, or water leak — it doesn't. Your landlord's insurance is there to protect the landlord's investment. A renters policy is your own coverage, and getting one is one of the smartest, most affordable things you can do to protect yourself.
Covers your belongings — furniture, clothing, electronics, jewelry — against theft, fire, vandalism, water damage, and other covered perils. Your coverage doesn't stop at the front door: if your laptop is stolen from your car or your bag is taken at a coffee shop, renters insurance typically covers it.
Covers you if someone is injured in your home or if you accidentally damage someone else's property — anywhere in the world, not just at your residence. Covers legal defense costs and settlements, protecting you from claims that could otherwise be financially devastating.
If a guest is injured at your home, this coverage pays their medical expenses regardless of fault. It's designed to handle minor injuries quickly and prevent small incidents from turning into lawsuits.
If a covered loss — a fire, burst pipe, or similar event — makes your rental uninhabitable, this pays for your hotel, meals, and other extra costs while repairs are made. You won't have to figure it out on your own.
Renters insurance is consistently one of the most underutilized coverages available — not because people don't need it, but because many assume it's complicated or expensive. It's neither. A solid policy covering your belongings, liability, and living expenses typically costs less than a streaming subscription.
Many landlords now require renters insurance as a condition of the lease. We can tailor your policy to meet specific landlord requirements and provide proof of coverage quickly.
Renters insurance is one of the best values in personal insurance. Most policies run $5–$10/month and include personal property, liability, and loss of use coverage. There's no reason to go without it.
Own a condo instead of renting? See our Condo Insurance (HO-6) page →