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Protect Your Belongings with Renters Insurance
While your landlord’s insurance policy covers the building, it won’t cover what’s inside your rental unit. Most people would not be able to afford the expense of replacing their personal belongings in the event of theft, fire, or water damage, and that’s where renters insurance comes in. If you are renting an apartment, condo, or house you can protect yourself and your belongings with renters insurance, commonly referred to as rental insurance or apartment insurance. Renters insurance covers damages to your possessions when you rent.
What is Renters Insurance?
Rental insurance protects you during unfortunate events such as fire, theft, water damage and other unforeseen circumstances – situations your apartment owner’s policy doesn’t cover. Imagine going to dinner or a family get-together and when you return home, you’re greeted by the flashing lights of police cars and fire trucks. Building fires, floods, and other damage can happen anytime, anywhere.
Enter your zip code at the top of the page or give us a call at 800-777-5620 to get a free renters insurance quote for cheap renters insurance.
What Does Renters Insurance Cover?
Renters insurance covers your belongings (furniture, clothing, electronics, appliances, equipment, etc.) if they’re damaged or stolen. It also provides personal liability coverage if someone is hurt in your home, as well as lawsuits and legal fees if someone sues you.
Damage to your apartment or home caused by the following losses are also covered by a rental insurance policy:
- Fire or lightning
- Smoke damage
- Windstorm or hail
- Collapse of the building due to weather
- Water leakage or overflow
- Freezing of plumbing or air conditioning, and more
What is Not Covered by Renters Insurance?
Rental insurance will not automatically cover your roommate’s belongings. Your roommate would need to buy his or her own policy or purchase a joint renters insurance policy. In addition, renters insurance may cover items stolen from your car, but it won’t cover your vehicle—that’s what auto insurance is for. Here are a few other events that are not covered by renters insurance:
- Natural disasters (flooding, earthquakes, tornadoes, hurricanes, sinkholes, etc.)
- Property damage caused by pests (rodents, bugs, and other vermin)
- Items of high value (antiques, art, jewelry, vintage family heirlooms, rare autograph collections, premium appliances, etc.)
- Damages caused by terrorism or nuclear war
Cheap Renters Insurance Quotes
Getting an affordable renters insurance quote from the experts at Freeway Insurance is easy. Our team of English and Spanish-speaking insurance experts have decades of experience in the insurance industry and have helped thousands of renters obtain the best renters insurance policy to fit their needs and budget. Get a free renters insurance quote online or by giving us a call at 800-777-5620. You can also stop by one of our local offices to talk to an insurance expert who will help you choose the right apartment insurance policy.
Have questions? See our renters insurance FAQs.
Did you know we also offer low-cost car insurance?