Renters Insurance

Don’t own your home? Protect your possessions with renters insurance. Renters insurance covers damages to your possessions when you rent rather than own your home.

What is Renters Insurance?

If you rent your home, having insurance protection for yourself and your possessions is still important.  Similar to home insurance, renters insurance protects you in situations that everyone can face: fire, theft, water damage and other unforeseen circumstances.

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 injured, in or around your home
  • Additional expenses to provide a temporary home if yours is damaged by a covered loss.

Renters insurance will protect you from incidents that occur while you’re at home, too, such as a dryer fire or a neighbor slipping and falling on an icy walkway. Renters insurance provides coverage for your own items, and it provides coverage for other people’s injuries or damages in situations for which you’re liable, as well.

You can’t rely on your landlord’s insurance to cover your valuables – landlord insurance only covers the building structure and not your personal property.

Before you shop for renters insurance, it’s a good idea to take an inventory of what you own to decide what level of coverage makes you comfortable. Then, call 406-222-0944 to get a renters insurance quote and choose the policy that’s right for you.