Insurance Types > Renters Insurance
Renters Insurance
Do I need insurance if I just rent?
Yes, if something happened to the home you are living in could you afford to replace everything you own? Renters insurance also protects you in the case you would get a lawsuit filed against you. Most peope benefit from having renters insurance.
Renters insurance policies offer coverage similar to what homeowners insurance has to offer. Most renter insurance policies cover an extensive range of expenses.
Am I covered under my landlord's policy?No, the landlords insurance policy only will cover damage to the building and property. It will not cover any of your personal items. In some cases if you are the one that is responsible for damage to the property or building you may be held responsible.
How is renters insurance prices figured?
Renters insurance is inexpensive since you don't need to insure the entire building. The risk factors of your particular living space are considered when determining your renters insurance premium. The insurance agent will help you get the type of coverage that fits your needs the best.
I live in an apartment with multiple roommates, do we each need a policy?
Ask your agent. Usually it is best if all roommates are on the same policy, but in some instances their own coverage may be needed.
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