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Renters Insurance: Everything You Need to Know

So, you’re moving into a new rental property, but you aren’t sure if you should get renters insurance. Some landlords and management companies require their tenants to obtain it, while others don’t. Either way, it’s important to know what your options are when it comes to renters insurance. To help you out, here is everything that you should know about renters insurance.


Renters Insurance: What is it?

Renters insurance covers you and your valuables while you are renting an apartment or house. Renters insurance can be thought of as mini-homeowners insurance, with protection that lowers your liability in case of certain unexpected events like burglaries, guest injuries, and natural disasters. However, unlike homeowners insurance, renters insurance does not provide any structural coverage – your landlord is responsible for properly insuring the home itself.


Simply put, renters insurance covers your belongings in your apartment or rental house, and not your apartment or rental house itself. For example, if a pipe bursts in your apartment building, ruining your belongings or if another tenant’s guests take off with some of your valuables, you’ll have options for reimbursement.

There are always limits to coverage when it comes to