Renters Insurance

Do you need Renters Insurance?

Thought you were covered by your landlord's insurance? Not the case. Your landlord may have insurance that protects the physical building in which you reside, but this insurance will not cover your personal property.

You'll need renter's insurance to protect your belongings from perils like theft, vandalism, fire, and falling objects the minute you begin renting. According to recent estimates, nearly two-thirds of the 81 million people who rent their homes are uninsured for their contents or for any liability arising out of their tenancy.

Rental insurance will also give you help with temporary housing and liability protection for people on your property. It can help protect you in case of a liability lawsuit against you. This could occur in a situation where you are held responsible for:

  • Injury to another person
  • Damage to another person's property(whether the incident occurred within your rented residence or elsewhere)

What's covered in Renter Insurance?

Think of the costs associated with having to replace everything you own. Once you determine your need for rental insurance, knowing your options will help you choose the best policy.

Renter insurance can cover virtually all of your personal possessions. Most policies provide coverage for electronic goods and equipment, small appliances, sports equipment, cameras and photography equipment, furniture, clothing, glassware and china, and books. Items such as computers, jewelry, furs, watercraft, and firearms can also be covered with extended protection. Your insurance policy will include:

  • Personal property protection
  • Family liability protection
  • Guest medical protection
  • Additional living expenses
  • Additional protection

Need a Renters Insurance Quote?

Statistic show that only 43% of renters nationwide had insurance. To tailor a rental insurance policy that's right for you today, fill out the quick and easy renter insurance Quote Form below. An Atlantic/Smith, Cropper & Deeley expert will provide you with the best possible quote in no time.