Renters Insurance
Your Belongings Deserve Protection Too
Renters Insurance That Covers More Than You Think
Living in a rental doesn’t mean going without coverage. Your landlord’s policy covers the building, but not your personal belongings, liability, or temporary living needs. That’s where renters insurance comes in. From accidental fires to stolen laptops, it protects what you’ve worked hard to own and keeps you covered when life throws surprises your way.
Whether it’s your first apartment or your tenth lease, having the right protection helps you stay in control, avoid financial setbacks, and focus on what matters most.
Risks Your Policy Helps You Handle
Real-World Protection for Everyday Events
Renters insurance is designed to handle a wide variety of perils. Here’s a closer look at what’s typically included:
🔥 Fire and Smoke
Damage from fire or smoke is one of the most commonly covered events. Whether caused by an electrical issue or a kitchen mishap, your policy helps replace lost belongings and cover relocation costs if necessary.
🚪 Theft and Break-Ins
If someone breaks into your home or steals your belongings, your renters policy helps cover replacement costs. Protection often extends to stolen items outside the home, such as those taken from your vehicle or storage unit.
⚡ Lightning and Power Surges
Power surges caused by lightning can destroy electronics and appliances. Renters insurance often includes coverage for damage related to these events, including fire that may result from a strike.
💧❄️ Sudden Water Damage and Frozen Pipes
Damage from burst pipes, overflowing appliances, or sudden leaks is typically included. If pipes freeze and burst during colder months, the resulting damage to your personal belongings is often covered as long as reasonable precautions were taken.
🌳 Damage from Falling Objects
If a tree or other heavy object crashes into your unit, causing damage to your property, your renters policy generally includes protection, especially when caused by a storm or accidental event.
💥 Explosions
Whether due to a gas leak or a faulty appliance, explosions are rare but serious. Most standard renters insurance policies include protection from damage caused by explosions.
What Isn’t Covered?
Exclusions You Should Know Before You Buy
While renters insurance offers wide protection, there are a few exclusions that require separate policies or endorsements:
- Flood damage from rising water or storms requires separate flood insurance.
- Earthquake damage is not included unless added through an endorsement.
- Pests or infestations like rodents and insects are generally excluded.
- Neglect or intentional acts are not eligible for claims.
We help you review your policy options carefully, so you know exactly where your protection starts and stops and how to customize it further if needed.
Made for Every Renter
Whether you’re in a studio, a shared apartment, or a leased home, renters insurance is for anyone who wants to protect what matters most. We help renters at every stage feel more secure, informed, and in control.
First-Time Renters Looking for Affordable Protection
Starting out in your first apartment? We guide you through the basics and connect you with simple, cost-effective coverage that protects your belongings from common risks without overwhelming you with options.
Roommates Needing Separate Policies
Sharing your space? Each tenant should have their own policy to ensure their personal items and liability are protected. We help roommates get individual coverage that meets their unique needs, even under the same roof.
Long-Term Tenants Wanting Better Coverage
Been renting for years and never reviewed your policy? We help long-term renters upgrade their protection, close coverage gaps, and ensure their plan still aligns with what they own and how they live today.
Students or Professionals in Temporary Housing
If you’re living off-campus or between leases, you still need protection for your things. Our policies travel with you, offering flexible coverage for laptops, electronics, and personal items wherever life takes you next.
Why Renters Choose Us
Helping You Make Smarter Insurance Choices
Our goal is to make finding renters insurance straightforward and stress-free. We work with a network of established insurance providers and help you compare plans that suit your rental, lifestyle, and belongings.
Whether you’re new to renting or just want a better option than what you have, we make sure you’re not overwhelmed by choices and that you’re connected to coverage that actually works for your situation.