Renters Insurance

Your coverage, your way

Liability Claims

There are many unplanned situations you may one day find yourself in.

Renter’s Insurance is like an umbrella in hand; it’s an affordable, proactive measure you can take instead of crossing your fingers and hoping for no rain. Here are a few examples you may not have forecasted in your future that would require a liability claim.

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Fire & Smoke

Where there’s smoke, there’s fire. And damage. To recover the losses, Renter’s Insurance helps look after you from spark to finish.

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Water Damage & Extended Water Coverage

Pipes burst, septic pumps fail, bathtubs overflow. And then what? Renter’s Insurance gives you the helping hand you need to dry off your stuff and restore your space.

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Additional Living Expenses

This includes any costs of basic daily living and maintaining good health. They’re covered by Renter’s Insurance when you’re forced out of your space by the unexpected.

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Crime & Vandalism

Protect your valuables from theft or damage. Renter’s Insurance typically covers break-ins or damage to your belongings, and compensates you to be able to either repurchase or repair your property.

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Personal Liability

You left the water running, forgot to turn off the stove, somebody falls down your stairs and sues. Protect yourself from the potential out-of-pocket costs with the right coverage in place.

What Do I Look for in a Policy?

Here’s what features to consider before you commit to your Renter’s Insurance policy:

Coverage Limits

The maximum amount covered due to lost or damaged belongings, personal liability, or additional living expenses.


The Deductible

The amount you’re required to pay when you make a claim.


Scope of Policy

Renter’s Insurance covers a lot, but not everything. For example, if you run a business out of your rented residence and you’re sued for a business-related issue, your policy’s personal liability portion likely will not cover it.


The price of your policy can be determined by the cost or coverage of the three factors mentioned above. Generally, the larger your coverage limit is, the higher the monthly cost of your insurance policy. There are also a few other factors that can affect your policy cost:

  • The city you live in
  • The type of building you live in
  • Your insurance history
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