Renters Insurance Overview

A Small Price for a Lot of Peace of Mind

Renting a home or apartment? You might think the landlord’s insurance has you covered — but it usually only protects the building. Renters insurance protects your stuff and your liability if something goes wrong.

It’s one of the most affordable types of insurance — often less than $20/month.

🧾 What Does Renters Insurance Cover?

✅ Personal Property

Covers your belongings if they're damaged, destroyed, or stolen due to:

• Fire or smoke

• Water damage (like a burst pipe)

• Theft or vandalism

• Storms or lightning

✅ Liability Protection

Pays legal or medical bills if someone is injured in your home, or if you accidentally damage someone else's property (like water leaking into a neighbor’s apartment).

✅ Loss of Use (Additional Living Expenses)

Covers temporary housing, food, or transportation if you can’t stay in your rental after a covered event.

🔍 What’s Not Covered?

• Damage from floods (you'll need a separate policy)

• Pests (like mice or bed bugs)

• Your roommate’s stuff (unless they’re on the policy)

🧠 Common Questions

“Do I need it if I don’t own expensive things?”

Yes! Think about your clothes, electronics, kitchen items — replacing everything adds up quickly.

“Can I get a discount?”

Yes! Ask about:

• Bundling with auto insurance

• Senior discounts

• Smoke detectors or security systems

📝 Quick Checklist:

✅ Covers your belongings

✅ Includes liability protection

✅ Has enough coverage limit for your stuff

✅ Deductible fits your budget

🤝 Want help picking the right coverage?

I can help you choose a policy that fits your needs — no pressure, just honest info.

Book an Insurance Review

[Book a renters insurance review] or [Ask me a question]