The landlord’s policy covers the building. It covers nothing you own.
Renters insurance is cheap and routinely required by a lease, and the liability half is the part nobody thinks about. The building is not your risk.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What renters insurance actually covers.
Personal property
Your possessions, including away from the property.
Without it — A fire in the next unit destroys your things and the landlord owes you nothing.
Liability
Damage you cause to the building or to a neighbor, and injuries to visitors.
Without it — An overflowing bath that reaches three units below is a claim against you personally.
Loss of use
Somewhere to stay while the unit is uninhabitable.
Without it — You pay rent on an unusable flat and for the hotel at the same time.
What clients with renters insurance ask us.
Is it worth it if I do not own much?
The contents half rarely is on its own, but add up a laptop, a phone, a bike and a wardrobe and most people are past $15,000 without having thought about it. The half that justifies the price is liability: if you leave a tap running, leave a candle burning or your dog bites someone, the claim is against you, and it can run well past anything you own. At roughly $150 to $250 a year, it is the cheapest liability limit available to anybody.
My roommate has a policy. Am I covered?
No, unless you are named on it, and most carriers will not add an unrelated roommate. Their policy covers their property and their liability; if the fire started with your candle, their insurer may well pursue you. Two separate policies is the normal answer and costs very little. It also avoids the argument about whose television it was, which is a real conversation that happens after every roommate claim.
What else should a renter check?
The rest of the household plan. A renter with children under 18 usually wants a will that names a guardian, and anyone with people depending on their income wants life insurance. The Family Plan Check covers both, plus the umbrella question, in about ten short questions.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.