Renters must purchase their own insurance to protect their personal belongings . Many renters mistakenly assume their stereos, cameras, computers, clothing, jewelry, bicycles, televisions or other valuables are covered under their landlord's insurance, but they are not.
Renters face a greater chance of loss than homeowners do.
Since most renters live in multiple family dwellings, they can never control what their neighbor does. Renters insurance will protect you against losses due to fire or smoke, lightning, vandalism, theft, explosion, tornado, and water damage from plumbing. Renters insurance will also cover you if someone slips and falls in your home or is injured by any of your possessions and then sues. Our policy also includes legal defense cost if you are taken to court due to these events.