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Many renters think their landlord's insurance covers them. But the owner's policy only covers the building — NOT your belongings. If a fire, theft, or burst pipe occurs, your furniture, clothing, and electronics are entirely your responsibility. The average renters policy costs only $15–$20 per month.
What's Covered?
A clear breakdown of every protection layer included in your policy.
Personal Property Coverage
Pays to repair or replace your belongings after a covered loss — both inside your unit and often when you're traveling.
Personal Liability
Protects you if you accidentally injure someone or damage their property — including damage you cause to your rental unit (e.g., kitchen fire, overflowing tub).
Loss of Use (Additional Living Expenses)
If a covered loss makes your unit uninhabitable, pays for hotel stays, restaurant meals, and additional costs above your normal living expenses.
Medical Payments to Others
No-fault coverage (typically $1,000–$5,000) for minor guest injuries — helps avoid small incidents turning into liability claims.
Something Most People Underestimate
Most renters dramatically underestimate the value of their belongings. A quick room-by-room inventory typically reveals $20,000–$40,000 in property. High-value items like jewelry, firearms, and electronics often have sub-limits and may need scheduled coverage.
- Document with photos & video
- Keep receipts for major items
- Consider Replacement Cost vs. Actual Cash Value
- Schedule jewelry, firearms, & collectibles separately
Our Approach
It's not just about giving you a basic policy. We help you calculate what you really need.
Calculate real coverage needs
Avoid being underinsured
Adjust insurance to your lifestyle
"In most cases, renters insurance is one of the most affordable types — the cost is low compared to the value it protects."
Ready to protect
what matters most?
As an independent agency, we compare multiple carriers to find the best coverage for your needs.