There Are Benefits to Being a Renter…
As a renter, you’re living pretty comfortably—no property taxes, no lawn maintenance, and no worries about snow removal. It’s a simple life!
But imagine coming home after work or a vacation to find your apartment damaged by fire, or discovering that some of your most valuable possessions were stolen during a break-in.
You might assume the building owner’s insurance will cover the damage. Unfortunately, that’s not the case.
Your landlord's insurance typically covers the structure itself, meaning everything outside your apartment is their responsibility. But when it comes to the contents of your apartment, like your furniture, electronics, and personal items, you’re on your own unless you have renters insurance.
The True Cost of Replacing Your Belongings...
You might think your belongings aren’t worth much. But when you consider how much it would actually cost to replace everything—furniture, clothing, electronics, and more—you’ll realize just how expensive it can be. Replacing an old bedroom set or upgrading your laptop isn’t cheap, especially if you need to buy it all at once after a disaster.
Renters insurance is surprisingly affordable and, in addition to covering your belongings, it also protects you from liability if someone gets injured while in your home. If you’re sued and the judgment goes against you, your renters policy will cover you, up to the policy limits.
Do You Really Need Renters Insurance?
According to recent statistics, nearly two-thirds of the 81 million renters in the U.S. have no insurance for their personal property or liability coverage related to their tenancy. Don’t become part of that statistic.
Here’s what to do:
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Take a moment to calculate how much it would cost to replace your belongings.
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Review your lease to check if renters insurance is required by your landlord.
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Request a renters insurance quote to see how affordable it can be to protect your stuff from risks like theft, fire, and vandalism.
What Else Does Renters Insurance Cover?
Renters insurance can cover almost all of your personal items. Most policies include protection for electronics, small appliances, sports equipment, furniture, clothing, and more. With extended coverage, items like jewelry, computers, firearms, and even small watercraft can be protected. Your renters insurance policy typically covers:
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Personal property protection
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Family liability protection
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Guest medical protection
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Temporary housing in case of damage to your home
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Lawsuit protection for personal injury or damage caused to others’ property
We always recommend renters spend a few minutes calculating the cost of replacing their possessions. If a disaster struck tomorrow and your apartment was destroyed, where would you stay? How would you afford to replace everything? With renters insurance, you can answer those questions confidently.
Why We're Different...
You may think going for the cheapest insurance is the best choice, but you might not get everything you expect in return.
While many insurance products are similar in price and coverage, the companies providing them vary greatly in how they structure policies. One-size-fits-all doesn’t apply when it comes to insurance, especially when your specific needs are at stake.
We’re not just your insurance agents—we’re your neighbors. We care about the businesses and people in our community, which is why we’re committed to finding ways to protect you better. We work only with insurance companies that are affordable and responsive, so you’re always covered when it matters most.
Contact us and let our team help you build the strongest possible coverage to safeguard the things you’ve worked hard to achieve.
Request a Quote
Reach out to us, and let our professionals help you create the strongest possible plan to safeguard what you’ve worked so hard to build.