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Renters/Condo Insurance 2017-12-07T15:50:44+00:00


Renters insurance provides coverage for your lost, damaged, or stolen personal possessions as a result of fire, theft, or vandalism. Renters insurance also provides coverage for injuries to another person that may occur in your rented home or apartment. Renters insurance can also provide compensation for alternative living arrangements in the event that your rental unit or rented home becomes uninhabitable due to a covered loss.

Renters insurance will cover the cost of replacing your property if you suffer a loss such as burglary. The amount you are compensated will depend on the amount of coverage you have in place. Specific items such as jewelry and collectibles may have a coverage limit, but you can obtain additional insurance to provide full coverage on special “higher value” items.

Renters insurance is important because your possessions are not protected by the landlords insurance policy. Landlord insurance covers damage to the building, but does not protect what is inside, including your possessions.

When you are choosing a renters policy you need to choose a coverage amount for three types of coverage: personal property, liability, and additional riders.

The best way to establish how much insurance you need to carry for personal property is to create an itemized list of your belongings and their replacement cost. This will help you determine the exact amount of coverage needed.