About Renters Insurance
Apartment Insurance is one of the most overlooked and inexpensive forms of insurance. It is important to understand that your landlord's insurance policy only provides coverage for damage to the building or for damages that result from his/her negligence. Your landlord's insurance does not provide: personal property coverage for your contents in the case of a loss (such as a fire); or legal liability coverage for injuries or damage suffered by others on your property or for which you may be held responsible.
What does renters insurance cover?
Renters insurance is very similar to a homeowners policy without the dwelling coverage, since renters do not own the building they live in.
The policy provides coverage for:
- Your personal property (contents) and building additions or alterations you make.
- You and your family members against damages for which you are legally responsible, arising from bodily injury or property damage.
- Additional living expenses above your normal rent, which occur when your dwelling becomes uninhabitable due to a covered cause loss.
Protect what you've worked hard for
If you took the time to add up what it would cost to replace all of your stuff, you would probably be surprised at how much it's really worth.
Get the coverage you need
Are you unsure about the specific exposures and risks you face? Or the protection you need? Our insurance needs analysis tool is a good place to start. It will help you to identify your potential exposures to loss and list the coverages that may be appropriate for you. Click the link below to access our free individual risk analysis tool.
