Renters insurance is essential for individuals who rent their homes, offering protection for personal property and liability in various situations like fire, theft, and water damage. It covers the costs of replacing possessions and can also provide financial assistance for temporary housing if displaced. Even if not mandated by landlords, having renters insurance is recommended for peace of mind and financial security.

1. Renter’s Insurance

2. WHAT IS RENTERS INSURANCE

3. If you rent rather than own your home, having
insurance protection for yourself and your
possessions is still important

4. Renters insurance protects you in situations
that everyone can face:
• fire
• theft
• water damage
• other unforeseen circumstances–situations
your apartment owner’s policy doesn’t cover

5. Protect Your Apartment, Condo, or Rental House with
Renters Insurance
If you are renting an apartment, home, or condo, you can
protect your family with Insure One

6. Renters insurance typically provides coverage, up to the
limits you select, for specified items and situations,
including:
• Personal property (furniture, electronics, computer
equipment, clothing, etc.)
• Personal liability if someone is hurt, whether in your
home or away from it.
• Damage to your apartment or home caused by a covered
loss.

7. Renters Insurance Covers More Than Property,
Possessions, and Belongings
Renters insurance will protect you from incidents
that occur while you’re at home, too, such as a
toaster catching on fire or if someone trips and falls
in your apartment, leading to expensive medical bills
or even a lawsuit; your renter’s insurance policy
would provide you with coverage.

8. It could also be a financial lifesaver. Renters insurance helps
to pay for a place to stay if you are displaced from your
apartment by something like a hurricane or major repair —
up to a point.

9. What does renters insurance cover?

10. • Fire
• Smoke damage
• Theft
• Collapse of the building due
to weather
• Water leakage or overflow
• Freezing of plumbing, air
conditioning and more

11. Whether your landlord mandates renters insurance or
not, it’s a good idea to evaluate your possessions and
think about what it would cost you to replace them.
For less than the cost of a take-out meal a month, a
renter’s insurance policy will help you to rest easier.
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