Personal Insurance
Protect your personal property, your liability, and your peace of mind — even as a renter. We'll find coverage that fits your lifestyle and budget.
You have a lot of things that are important to you — from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you've worked for is not at risk.
Just because your landlord has coverage doesn't mean that you do, too. In most cases, your landlord's insurance policy covers only structural damage to the building itself. If the structure goes up in flames, your landlord's coverage would include repairs to the building, but not reimburse you for your possessions.
Let Insurance Plus help you find coverage options that protect you, your family, and your personal property with a renters insurance policy tailored to your needs.
Renters insurance covers your possessions against damage for things such as fire, smoke, lightning, vandalism, theft and water damage — but not flooding — to name a few. It also extends beyond on-premise theft and hazards, covering property that is stolen from your car, or lost or damaged anywhere you happen to be.
There are two personal property coverage options to choose from: replacement cost value or actual cash value. We recommend insuring your personal property for its replacement cost value so that you can replace yesterday's purchases at today's prices.
In addition to protecting your personal property, renters insurance also protects you in the event that you are responsible for injury or property damage to others. That means you'll likely be protected if someone slips and sprains their ankle at your annual birthday bash.
Liability also provides coverage for legal defense costs and judgments in a lawsuit, whether the incident occurred within your rented residence, or elsewhere.
You can also select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault.
Renters insurance is surprisingly affordable — typically ranging from $15 to $30 per month depending on your location, coverage limits, and deductible. For about the same cost as going to the movies once a month, you can gain peace of mind, regardless of life's unexpected mishaps. Insurance Plus compares options across multiple carriers to find you the best value.
Typically $15–$30 per month depending on your location, coverage limits, and deductible. We compare options across multiple carriers for the best rate.
No. Each renter typically needs their own policy. Your roommate should purchase a separate renters insurance policy.
Actual cash value factors in depreciation, meaning you'd receive less for older items. Replacement cost coverage pays to replace items at current prices — we generally recommend this for better protection.
No. Standard renters insurance does not cover flood damage. You'll need a separate flood insurance policy.
Yes. Renters insurance typically covers your personal property even when it's away from your home, including items stolen from your vehicle.
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