Renters Insurance

Imagine learning that your apartment and its contents have just been destroyed by fire. Now imagine how devastated you are when you discover that your landlord's insurance policy doesn't cover the loss of your personal property. Who’s going to pay your expenses while your home is being repaired and you've been displaced? How can you protect yourself against such a crippling loss?

Renters insurance is a type of property insurance designed to protect you against the same risks that homeowners’ face. While most apartments are covered by some type of hazard insurance, the typical landlord policy protects only the structure of the building, not the contents. A renters insurance policy protects your personal property, valuables and assets against many types of accidents or disasters. Without insurance you’re vulnerable to loss, so complete coverage can give you the peace of mind needed should a loss or damage take place.

Renters insurance safeguards you against property damage due to unforeseen events. A standard renters insurance policy from Homesite provides replacement cost coverage meaning we will replace items as new* in the event of a loss.

A Homesite Renters Insurance policy also includes what's known as loss-of-use coverage. This type of coverage provides for the additional living expenses, such as temporary housing, when a property is considered uninhabitable. Renters insurance covers expenses while your home is being repaired.

Personal liability insurance is also included in a renters insurance policy. Liability insurance protects you against a potential lawsuit if an individual is injured on your property. Liability protection can protect against pain and suffering damages and cover legal expenses sought by an injured party.

Take a few minutes to get a free renters insurance quote today, and see just how affordable our rates can be.

*Deductible and special limits of liability for certain items apply; not all property is eligible for replacement cost coverage. Please consult your policy contract for details.