Renters Insurance

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As an independent agency, we offer multiple options at competitive prices.

Get an affordable renters insurance quote online.

Renters insurance helps protect yourself and your belongings if you experience the unexpected. A landlord’s insurance policy covers the building but not your personal items. If you rent an apartment, condo, house, etc. you need renter’s insurance. Take the next step to protect what you care about by getting an affordable renters insurance quote today.

Standard Coverages

Your Belongings

Renters insurance can help you repair or replace any damaged or stolen personal items, such as computers, bicycles, TVs and furniture. Plus, it doesn’t matter if the items were inside or outside of your apartment. You’re still covered for damage caused by fire, lightning, wind, vandalism, theft and other perils.

  • Example: If your laptop is stolen from your apartment, or from your car, we’ll pay for you to replace it.

Lawsuits and Medical Bills

If someone brings a claim or lawsuit against you, renters insurance can help you pay for your defense and court costs. It can also pay for necessary medical expenses for guests who are accidentally injured in your unit.

  • Example: If a guest at your home trips and falls, we’ll help cover their medical expenses.

Emergency Living Expenses

If you’re forced from your apartment due to a covered event, renters insurance will help cover costs such as alternate lodging and other living expenses.

  • Example: If a fire severely damages your apartment, we’ll help pay for you to stay at a nearby hotel and cover your meals.
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Personal Property
Risk Factor

Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.


Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.

Limits and Exclusions
Risk Factor

Some types of personal property are subject to limits of coverage under renters insurance policies. These limits vary by the type of property and by what caused the loss or damage. For example, jewelry, bicycles, collectible cards, and coins may have limited coverage or may not be covered.


Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.

Additional Living Expense
Risk Factor

If the building you live in has a loss from a covered peril under your renters insurance policy that makes your apartment or home uninhabitable, you will need to find somewhere else to live while the repairs are undertaken. This can be expensive and inconvenient.


Be sure your insurance policy includes additional living expense coverage. If you need to move out and rent another location, this coverage provides for the increase in living expenses–such as moving costs, increased food costs, and other expenses.

Risk Factor

You are responsible if you or a guest in your unit trips and falls or sustains an injury while on your property.


Be sure that you have adequate liability insurance to protect for claims made against you for bodily injury or property damage – such as a slip and fall or other allegation. Liability coverage also provides protection should you become legally liable for unintentional bodily injury or property damage anywhere in the world.

Medical Expenses
Risk Factor

You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.


Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.

Risk Factor

You may not be able to rent the apartment or home if your landlord or property manager requires renters insurance and you do not have it.


Having a renters insurance policy allows you to provide a certificate of insurance to the landlord or property manager showing that you have the coverage required to rent the apartment or home.

Improvements or Betterments
Risk Factor

Any improvements or betterments that you have made to your unit are subject to damage.


Be sure to obtain coverage for improvements or betterments that you have installed in your apartment or home.

Contents Away from Home
Risk Factor

You may take your valuable property outside of your unit. For example, what happens if your laptop or golf clubs get damaged or stolen while traveling?


Be sure to add off premises theft coverage to your policy to cover your personal property while your belongings are away from your home. Auto insurance does not usually cover personal property stolen from your car.

Premises Liability
Risk Factor

You may be responsible for damage to your apartment or dwelling should you, for example, have a leaking sink or accidentally start a fire.


Be sure your policy has liability coverage that includes tenants legal liability or premises liability. Your landlord may require that you to have this type of insurance protection in place as a requirement before renting the property to you.