Renters Insurance

Renters Insurance for Tenants

You've just moved into your new apartment, so now what? You should purchase Renters Insurance! Before you say, "But I'm not going to cause any damage to my apartment," remember that you don't always cause damage yourself. Mother Nature or other tenants and guests could prove to be the source of your problems later.

What Will It Do For Me?

Renters Insurance offers both liability coverage for you and your family and coverage for your personal property (both inside and outside your apartment).

I Don't Own That Much!

You may not think it's important to have insurance after all; it's not like you own the building! But imagine these scenarios:

  • An electrical surge fries your computer, television and stereo.
  • Thieves clean out your apartment while you are on vacation.
  • Someone trips over a power cord in your apartment and is injured.
  • The building catches fire and your belongings are lost due to water, smoke and fire damage.
  • You have to pay for a hotel room following the fire until your landlord fixes your apartment.

This list doesn't begin to elaborate on the possibilities for disaster - the list goes on and on! And as we've all discovered, you can never discount such crazy-sounding possibilities. Life is often stranger than fiction!

Other Advantages

The best news is: Renters Insurance is very affordable! For a few dollars a month, you can get coverage for you and your property. You may even quality for discounts! In addition, building up a history of being insured is comparable to building a credit history. When you go to buy homeowner's insurance, it may be easier and cheaper if you are a "long-time" insured.

Call for coverage today!

Personal Liability Protection

Public Liability

  • Coverage for claims made against an insured person for bodily injury or property damage arising from accidents or injuries occurring on the premises for which the insured becomes legally obligated to pay due to personal acts

Medical Payments

  • Provides coverage for medical expenses that arise from accidents or injuries occurring on the insured premises

Damage to Property of Others

  • Covers property damage to property of others which you borrow or use

Optional Coverage


  • Replacement cost
  • Inflation Guard
  • Earthquake
  • Scheduled Personal Property
  • Replacement Cost for Household Personal Property


  • Incidental Business Activities
  • Business Pursuits
  • Home Day Care Provider
  • Incidental Agricultural Activities
  • Contractual Liability
  • Additional Insured

This information provides a basic description of the insurance provided for this product. These summarized coverage descriptions are intended for reference and don't include policy conditions, exclusions, or limitations. For a complete description of the policy features consult your agent.