Renters Insurance

Here's a fact that surprises a lot of renters: your landlord's insurance policy covers the building. It does not cover a single thing you own inside your apartment. If a fire, a burst pipe, or a break-in destroys your furniture, electronics, and clothes, that's on you, unless you have your own renters policy in place.

The good news is renters insurance is one of the most affordable, straightforward types of coverage out there. It protects your belongings, covers you if someone gets hurt in your rental, and can even help pay for a place to stay if your rental becomes temporarily unlivable. For what it costs, it's one of the easiest financial decisions a renter can make.

What we help you understand

• What Renters Insurance Covers (and What It Doesn't) — the plain breakdown of what's included.
• How Much Does Renters Insurance Cost? — what actually drives the price.
• Does My Landlord's Insurance Cover My Stuff? — the misunderstanding that costs renters the most.
• Renters Insurance for Roommates — why "we already have a policy" often isn't true for everyone in the unit.
• What to Do If You Have a Claim — what actually happens after something goes wrong.