How to Get Tenant Insurance for Your Apartment

Tenant insurance is essential for anyone renting an apartment, providing protection for your personal belongings, liability coverage, and additional living expenses in case of a covered loss. In this blog post, we'll be taking a look at how to get tenant insurance for your apartment.

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1. Understand What Tenant Insurance Covers

Before you start shopping for tenant insurance, it’s important to understand what it covers:

• Personal Property: This protection covers your personal belongings, such as furniture, electronics, clothing, and other personal items, in case of theft, fire, or other covered perils.

• Liability Coverage: This protects you if someone is injured while in your apartment or if you accidentally cause damage to someone else’s property.

• Additional Living Expenses: If your apartment becomes uninhabitable due to a covered loss, this helps cover the cost of temporary housing and other related expenses.

2. Assess Your Insurance Needs

Take an inventory of your personal belongings to determine the amount of coverage you need. This will help you decide on the coverage limits and ensure you’re adequately protected. Consider the value of your furniture, electronics, clothing, and other valuables.

Use our contents calculator to determine how much coverage you need.

3. Shop Around for Quotes

Get quotes from multiple insurance providers to compare coverage options and prices. Many insurance companies offer tenant insurance, so it’s important to shop around to find the best policy that fits your needs and budget. You can get quotes online, over the phone, or through an insurance agent.

Read our article about how to get a cheap tenant insurance quote to learn more.

4. Understand Policy Details

When comparing quotes, pay attention to the details of each policy, including:

• Coverage Limits: Ensure the policy provides enough coverage for your personal belongings and liability.

• Deductibles: This is the amount you’ll need to pay out of pocket before your insurance kicks in. Choose a deductible that you’re comfortable with, but keep in mind that higher deductibles usually mean lower premiums.

• Exclusions: Understand what is not covered by the policy. Some policies may exclude certain perils or have limits on specific items.

• Additional Coverage: Consider any additional coverage options that might be beneficial, such as coverage for high-value items, identity theft protection, or sewer backup.

To read about what isn't included in your tenant insurance policy, read our article here.

5. Read Reviews and Check Financial Stability

Research the insurance companies you’re considering. Read customer reviews to get an idea of their customer service and claims process. Additionally, check the financial stability of the company to ensure they can pay out claims when needed.

6. Purchase Your Policy

Once you’ve chosen a policy, you can purchase it online, over the phone, or through an insurance agent. Be prepared to provide information about your apartment, such as the address, the type of building, and any safety features it has (e.g., smoke detectors, security systems).

APOLLO allows you to get a quote and bind your policy online in less than a minute with our simple online platform.

7. Review and Update Your Policy Annually

Your insurance needs may change over time, so it’s important to review your policy annually. Update your coverage if you acquire new valuables or if there are significant changes to your living situation.

APOLLO makes tenant insurance quick and easy, providing you with a free quote in less than a minute and instantaneous coverage. Get your quote today and have your policy documents sent right to your inbox.

Get comprehensive tenant insurance for what matters

Get no-nonsense coverage that's the best value for your money. Purchase in less than a minute, receive your policy instantly, and save when you buy online.

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