Protect Your Belongings, Protect Your Peace of Mind

Why Renter Insurance Matters

• Landlord insurance covers the building, not your personal property.

• Affordable monthly premiums safeguard thousands of dollars in belongings.

• Coverage for theft, fire, water damage, and liability.

Cost & Benefits

• Average premiums: $10–$25/month depending on coverage.

• Discounts for bundling with auto or other policies.

• Peace of mind for pennies a day.

What’s Covered

• Personal property (furniture, electronics, clothing).

• Liability protection (if someone is injured in your rental).

• Additional living expenses (hotel, meals if your unit is uninhabitable).

• Optional endorsements (jewelry, electronics, collectibles).

How Much Coverage Do I Need?

Most renters need $20,000–$50,000 in personal property coverage and at least $100,000–$300,000 in liability coverage.

How to Decide Your Coverage Amount

1. Inventory Your Belongings

   • Add up replacement costs for furniture, electronics, clothing, and valuables.

   • Example: If your belongings total $35,000, you’ll want at least that much in property coverage.

2. Evaluate Liability Risk

   • Do you host guests often?

   • Do you own pets?

   • Do you live in a building where damage could affect neighbors (e.g., water leaks)? These increase the need for higher liability coverage.