Renters' insurance helps protect your personal belongings against damage or theft while you rent a property. It’s a smart way to safeguard your valuables and meet landlord requirements if insurance is requested.

You’ll want to start by making a list of all of your personal belongings and their value so you can calculate your replacement cost coverage. Don’t leave anything off the list, particularly high-dollar items like collectibles, video game consoles, TVs, laptops, and furniture. You might be surprised as you do this exercise to find out how much your belongings are actually worth when combined as a whole.

Next, you can get a renters' insurance quote via our partnership with Sure within your tenant portal. This insurance agency can help walk you through any questions you may have about policy limits, personal liability, or how insurance can help with potential medical payments.

The process for a renters' insurance quote is simple:

You'll also recieve an email about the requirement where you can click "Get My Free Quote":

While you may assume that your landlord has homeowners insurance and landlord insurance that will cover property damage in the case of a natural disaster or theft, the reality is that you, as the renter, are responsible for covering your own personal property.

Before you write off renters' insurance, thinking you don’t own enough personal items for it to be worth the cost, consider the variety of ways that a renters' insurance policy could save you in a tight spot. Keep in mind that the specific benefits of your renters' insurance will depend on the plan and coverage options you opt for.

Renters' insurance serves as a protection plan for the items you own. From your new laptop to your gaming console to the couches in your living room, renters' insurance is there to help protect you from covered loss.

Your belongings will be covered against vandalism, destruction, and loss. This means if a fire occurs, a tornado blows through, water damage drowns your belongings, or any other type of destructive disaster occurs, your personal belongings will be covered by your renters insurance plan. You can even opt for a renters insurance policy that will help cover hotel costs if you need to relocate while your rental unit is put back in order.

In our modern world of electronic devices, it’s common for renters to not even realize how much it would cost to replace all of their gadgets. Start by sitting down and calculating the actual cash value that it would cost you if you had to replace all of your electronic devices. If it’s an amount above a few hundred dollars, you’ll want to protect those belongings with a quality insurance plan.

Not only are your belongings covered while they are in the rental property, your personal property coverage will follow your belongings wherever they go. That means if your laptop got stolen out of your car, it will still be covered by your renters insurance.

Hopefully you never find yourself on the wrong side of a lawsuit; however, life is not always predictable. If you cause harm to another person or their belongings, you can be held liable. If you have a child or a pet that might harm another person or their items, your renters insurance can help cover a lawsuit as well. This insurance can become invaluable during a stressful and expensive lawsuit.

Did you know you can be liable for injuries that occur in your rental home or apartment? Protect yourself from medical costs associated with accidents or injuries with renters insurance coverage. Your policy can protect you from paying out on medical bills.

Fill out the SureApp Insurance form with your rental property details.

After submitting the form, you’ll receive a quote where you can adjust coverage and purchase your policy. Once purchased, you’ll get an email with your policy details and can view the insurance in your account.

Your landlord will receive an email confirming your insurance purchase. They can view the policy details.

After you complete the form, you will receive a quote with the option to edit coverage and purchase. Once purchased, they will receive an email with policy details and the option to view it on their account.

A: For anyone living in and renting a property, renters' insurance is essential. The cost of renters' insurance policies starts as low as $11 per month and can include replacement cost coverage of your personal belongings, as well as potential legal expenses and medical costs. Real Use Case: Protecting Your Belongings After a Kitchen Flood: Imagine a pipe bursts in your rental kitchen, causing water damage to your furniture, electronics, and personal items. Without renters' insurance, replacing those belongings could be costly and stressful. With renters' insurance, your policy may cover the damage or loss of your personal property, helping you recover quickly without a large out-of-pocket expense.

A: Renters' insurance covers your personal belongings, legal expenses as a result of a lawsuit, and medical expenses. The actual dollar amount covered for each of these three categories can vary wildly based on policy, additional coverage add-ons, and your insurance agency of choice.

A: Renters' insurance policies start as low as $11 per month. Like any other type of insurance, the cost can vary based on the types of coverage and the plan chosen by the policyholder. We’ve partnered with Sure to provide easy access to great, low-cost renters' insurance.

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