Coverages You Need

While your landlord has insurance on the building itself, everything you own is at risk unless you take out your own renters insurance policy.

Loss of Use

For additional living expenses, you need loss of use

If your apartment becomes uninhabitable, this will cover the cost of renting another, living in an extended stay hotel or similar solution....Read More

Liability

For injury or property damage you cause to others or that occurs on your property, you need liability

Covers medical bills and property damage you, your children or your pets cause or that result from an incident on your property....Read More

Personal Property

For the contents of your apartment, you need personal property

Covers personal items both in your unit and stored off-premises. Expensive items generally have dollar limits and may require a policy addition, or floater, to recoup their full value....Read More

Specialty Coverages

For specific vulnerabilities, you need specialty coverages

Consider adding coverage for identity fraud, assistance while traveling or pets. Any possession you would need financial help replacing should be considered as an insurance need....Read More

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