You are viewing

A. Christina Breen-Hale - State Farm Insurance     Official Sponsor
Our mission is to help our clients realize their dreams by managing risks, recover from the unexpected, and plan for the future.




How Renters Insurance Works


Renter insurance offers coverage similar to homeowner insurance for people who rent living space, such as an apartment, single or multi-family home.

The landlord generally buys insurance coverage to protect his or her interest, such as the building, loss of rents, liability, etc. It does not cover your property.

What a Standard Renter Policy Includes


Renter insurance is normally a special package that combines coverage for:

  • Personal Liability - Provides protection against claims someone else makes against you.
  • Premises Medical Coverage - Pays the medical expenses of others accidentally injured on the property you rent.
  • Additional Living Expense - Pays for your living expenses if the living space you rent is deemed unlivable and has to stay somewhere else temporarily.
  • Personal Property Coverage - Standard renter policies only cover the actual cash value at the time of the loss. Some personal property, like gold or jewelry, has a specific dollar limit that the policy will cover.


What to Consider When Buying Renter Insurance

  • Policies and prices can vary from company to company. Don't be afraid to comparison shop.
  • Some companies only offer renter insurance if you buy all of your insurance from them, such as auto coverage.
  • Check your rental or lease contract with the landlord. The landlord may require you to carry specific coverage.

Rental Insurance Tips & Articles >