Do Renters Need Insurance?

The Myth
Many renters assume their landlord's insurance policy protects their personal belongings. It doesn't.

What Landlord Insurance Actually Covers
The building itself — structure, roof, plumbing, and common areas. Nothing inside your unit that belongs to you.

What Renters Insurance Covers
Your furniture, electronics, clothing, and other personal property against fire, theft, and certain water damage. Many policies also include liability coverage if someone is injured in your rental.

The Cost Surprise
Renters insurance is typically one of the most affordable policies available — often just a few dollars a month for meaningful protection.

Is Your Stuff Protected?
If you're renting without a policy, everything you own is currently uninsured. Click to get your free renters insurance quote.