Why You Need Renters Insurance

The landlord of your apartment has insurance, but it probably only covers the building where you live — not your belongings or your liability for accidents. If your possessions are stolen during a break-in or damaged by a fire or severe weather, a renters insurance policy can allow you to recover their value. If someone is injured during an accident in your home, renters insurance can help protect you in the case a liability lawsuit.

Renters Insurance Covers

Examples not limited to:

 Fire or Lightning

 Windstorm or Hail

 Freezing of plumbing system


Renters Insurance Doesn't Cover

Examples not limited to:

 Bodily injury or property damage that is expected or intended by the insured

 Business pursuits

 Professional services provided or not provided