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Renters Insurance

If you rent an apartment, condo or home, are your personal belongings covered by renter’s insurance? If not, they should be.

According to a survey from the Insurance Information Institute, in 2014, only 37% of renters had renter’s insurance, compared to 95% of homeowners. Many renters believe that the owners' insurance will cover them should there be a loss of personal property. The landlords' policy protects the building, but it will not cover the renter's personal property.

Why You Need Renters Insurance:

If you are debating whether or not you need renter’s insurance, below are a few reasons why you need to make this investment.

  1. Renter’s insurance is very affordable, usually just a couple hundred dollars a year, based on the items you are insuring and the area you live in.
  2. It will protect your personal property in a wide range of situations like:
    1. Natural weather disasters
    2. Explosions, fire, and smoke
    3. Theft and vandalism
  3. Your landlord may require you to show proof of renter’s insurance before move-in