Your Landlord's Insurance Covers the Building. Not Your Stuff.
Renters insurance protects your belongings, covers your liability, and pays for a hotel if something forces you out — usually for less than $20 a month.
Get a Renters QuoteWhat Most Renters Get Wrong.
If a fire damages your apartment building, your landlord's insurance covers the structure. Your furniture, laptop, clothes, and everything else you own? That's your problem.
Renters insurance covers what you own — and a lot more than most people realize. For less than most people spend on a streaming subscription each month, you're protected against fire, theft, water damage, and liability.
Put the cost in perspective
Average renters insurance premium. Actual cost varies based on location, coverage amount, and policy options.
What Renters Insurance Actually Covers
More than most people expect — and all of it for a single monthly premium.
Your Belongings
Clothes, furniture, electronics, appliances — everything you'd have to replace if the apartment burned down or was broken into. Most people underestimate the replacement value of their stuff. It adds up fast.
Liability
If your dog bites a neighbor, or a friend slips and falls in your apartment, liability coverage handles the legal costs and damages. Without it, that comes out of your pocket.
Additional Living Expenses
If your unit is damaged and you can't live there, this covers your hotel and meals while repairs are made. Most renters don't think about this until they need it.
Lock Replacement
If your keys are lost or stolen, this covers the cost to replace or rekey your exterior door locks.
High-Value Items
Jewelry, art, instruments, or collectibles worth more than standard coverage limits can be scheduled separately so they're fully protected.
Electronic Data Restoration
If your devices are stolen or damaged and you lose data, this covers professional data recovery costs.
Add Up What You Own.
Most renters have never done this. Take a few minutes and add up what it would actually cost to replace your laptop, phone, furniture, clothing, TV, and kitchen equipment if everything was destroyed in a fire or stolen in a break-in.
Most people land somewhere between $15,000 and $30,000. Sometimes more. That's what's at risk without renters insurance. Covering it costs less than $20 a month.
Probably Cheaper Than You Think. Definitely Worth It.
One conversation and we can tell you exactly what coverage you need and what it will cost. In most cases, we turn around a quote the same day.
Walk-in appointments welcome at 22 Barker Road, Whitmore Lake.