Renter's Insurance

Renter's insurance protects you

As a renter, you’ve got it pretty good: No property taxes, no lawn cutting, and no snow removal.... But what would you do if you returned from work or a vacation and all your possessions inside your apartment had been destroyed by an fire? Or - if there were a break-in and some of your most expensive stuff was stolen?

You may think that the building owner’s insurance would take care of all the damage caused by a fire. It doesn’t.

Your building owner is only required to carry insurance for the structure. Usually, covering everything outside “your walls” is their responsibility, while everything inside is yours to cover. This means all your furniture, electronics, appliances, clothing, and jewelry are uninsured unless you purchase a renter's policy.

The cost of replacing your possessions:

If you’ve considered it all, you might think that the "stuff" you have accumulated isn’t worth that much. It may or may not be worth anything from a dollar amount, but that’s very different compared to how much it would cost for you to replace it. Buying a new bedroom set, clothing, or a computer can cost much more than you think. You’d be surprised at how affordable renter's insurance can be - It is one of the cheapest kinds of insurance out there!

Do you need renter's insurance?

According to recent estimates, nearly two-thirds of the 81 million people who rent their homes are uninsured for their contents, or for any liability arising out of their tenancy.

  • First, do the math and add up how much it would cost to replace your belongings.
  • Second, check with the terms of your lease, and verify if carrying a renters policy is required by your landlord. If you have a force-placed policy, keep in mind that these often only cover the structure and exclude your stuff.
  • Third, request a free renters insurance quote to see how affordable it is to protect your belongings from perils like theft, vandalism, fire and falling objects.

Renter's Insurance Coverages

Renter's insurance can cover virtually all of your personal possessions. Most policies provide coverage for electronic goods and equipment, small appliances, sports equipment, cameras and photography equipment, furniture, clothing, glassware and china and books. Other items, such as computers, jewelry, furs, watercraft and firearms can also be covered with extended protection.

Your renters insurance policy may include:

  • Personal property protection
  • Family liability protection
  • Guest medical protection
  • Additional living expenses
  • Additional protection
  • Temporary housing
  • Liability protection for people on your property

We encourage all renters to spend just five minutes with a calculator to add up the cost of replacing everything they own. What if a pipe bursts while you are away, flooding your apartment? How would you pay to replace everything that was damaged? Where would you go? Obtaining renter's insurance is an extremely affordable solution to many potential risks.

Besides covering all your possessions, renter's insurance can cover you from being held liable if someone hurts themselves while they’re in your home. So, in the unfortunate event you’re sued, and the judgment goes against you, the renters policy will cover you up to the policy limits.


Navigating the variety of options for your renter's insurance is simple with the Liberatore Insurance Group. We have teamed up with top insurance companies to bring you expert insurance advice, service, and products. As independent agents, we have the freedom to shop for the best coverage and price to meet your specific needs. Together, we’ll go over your policy options and discuss the special discounts or bundle packages you may qualify for.

Why we're different:

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy.

Contact us today, and we'll work with you to help you protect what matters most.


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