Renters Insurance

Protect your personal belongings with renters insurance from our partner Homesite Insurance Group

Renters insurance protects your personal property. If you rent your home, whether it's an apartment or a single-family dwelling, renters insurance can protect you if disaster should strike.

One of the most common mistakes that renters make is assuming their landlord's insurance policy will cover them. Unfortunately, that's not the case. The landlord's insurance policy covers the building itself, but not any of the contents, including all of your personal property. That's where your renters insurance policy comes in.

• How renters insurance works

  Renters insurance protects your belongings from loss or damage due to perils including fire, windstorm, burglary, smoke, hail, theft and vandalism. No one wants to think about losing everything in a disaster, but with policies typically starting around $20 a month, renters insurance provides affordable protection for you and your family.

  If the worst should happen, could you afford to replace everything? The cost of buying new computers, TVs, furniture and clothing adds up quickly and can be a devastating financial loss. Depending on the type of policy you purchase, if your property is damaged due to a covered peril, your renters insurance policy will reimburse you either the actual cash value or replacement cost value of your lost property. Considering that policies typically start at less than $1 a day, renters insurance is an incredibly inexpensive way to protect your financial future and give yourself a little piece of mind.

  And if your home should become uninhabitable due to a covered peril, most policies will help you with temporary living expenses while your home is being repaired.

• Liability insurance

  In addition to protecting your personal property from loss, a typical renters insurance policy also provides coverage in case someone should slip and fall or get hurt in your home. This personal liability insurance can help cover the medical expenses of third parties and legal bills for defense against claims.

  Have a child going to college? Renters insurance is a great way to protect all of that expensive gear kids take with them. Off-campus apartments are common targets for thieves, and a renters insurance policy is a smart way to protect against the high cost of replacing that MP3 player, laptop and bicycle.

  Renters insurance is one of the most affordable insurance policies available. Get a quote today!

• *Homesite renters insurance policies offered through Elephant Insurance are provided by Homesite Insurance Group. Homesite is a business associate that is not affiliated with Elephant and is solely responsible for these insurance policies.

  Elephant assumes no responsibility for the content or operation of the Homesite Insurance group web site. Information provided to Homesite is subject to its terms of use and privacy policy.