Personal property
Covers your furniture, electronics, clothing, appliances, and other belongings if they are damaged, destroyed, or stolen due to covered perils such as fire, smoke, theft, vandalism, and certain water damage.
Renters Insurance — Because Your Landlord's Policy Doesn't Cover You
Your landlord's insurance covers the building. It does not cover your furniture, electronics, clothing, or personal liability. Renters insurance fills that gap — protecting your belongings, covering you if someone is injured in your home, and paying for temporary housing if a covered loss makes your apartment uninhabitable.
What's covered
What does renters insurance cover?
Renters insurance provides three core types of protection: your personal property, your personal liability, and your additional living expenses. Together, they cover the scenarios that matter most to tenants — without requiring ownership of the building.
Off-premises personal property
Your renters policy typically extends to cover your belongings outside your home — including theft from your vehicle, items stolen while traveling, and belongings stored in a unit.
Personal liability
Pays for legal defense costs and damages if a guest is injured in your home or you accidentally damage someone else's property. Covers incidents both inside and outside your residence.
Medical payments to others
Covers minor medical bills for guests who are injured in your home, regardless of fault — helping prevent small accidents from escalating into legal claims.
Additional living expenses
Pays for temporary housing, hotel stays, meals, and other increased costs if your rental unit becomes uninhabitable due to a covered loss like a fire or burst pipe.
Eligibility
Who needs renters insurance?
If you rent your home — whether an apartment, condo, or house — renters insurance protects what your landlord's policy does not. It is one of the most cost-effective forms of personal insurance available.
- Apartment and condo renters — Your landlord's policy covers the building structure — not your belongings or your liability. Renters insurance covers both.
- House renters — Renting a standalone home does not change your exposure. You still need coverage for your personal property and liability.
- College students living off-campus — Students living in apartments or off-campus housing are generally not covered under their parents' homeowners policy and need their own renters policy.
- Renters with high-value electronics or items — Standard renters policies cover personal property up to set limits. If you own expensive electronics, jewelry, instruments, or collectibles, scheduled endorsements can provide higher limits.
- Roommates — Renters insurance policies typically cover only the named policyholder. Roommates generally need their own separate policies to be covered.
Why Ashmont Insurance Agency
The smarter way to buy renters insurance
Compare options from top-rated carriers with the help of a licensed personal lines advisor — not a call center.
Carrier comparison in minutes
Our platform compares personal lines options across top-rated carriers so you see the right combinations of coverage and price side by side — without hours on hold or a stack of paper applications.
Top-rated carriers
We work with highly rated personal lines carriers so you get the financial strength and claims-paying reliability that matters when you actually need to file a claim.
Licensed personal lines advisors
A licensed advisor reviews your coverage, explains your options, and helps you choose the right limits and deductibles — so you're not guessing when something goes wrong.
FAQ
Frequently asked questions about renters insurance
Have more questions? Our licensed advisors are available by phone, email, or chat.
Does my landlord's insurance cover my belongings?
No. Your landlord's insurance policy covers the building structure — walls, roof, plumbing, electrical systems — and protects the landlord's liability. It does not cover your furniture, electronics, clothing, or personal items, and it does not cover your personal liability or additional living expenses. Renters insurance fills these gaps.
Does my landlord require renters insurance?
Many landlords require renters insurance as a condition of the lease, particularly in professionally managed apartment complexes. Even when it is not required, renters insurance is a straightforward way to protect against losses that could otherwise be financially devastating. Review your lease terms to understand any coverage requirements.
Does renters insurance cover my belongings when I'm away from home?
Yes, in most cases. Most renters insurance policies extend personal property coverage beyond your apartment. This typically includes theft of items from your vehicle, belongings taken while traveling, and items stored in a storage unit (up to policy sublimits). Review your specific policy for off-premises coverage limits and any exclusions.
Does renters insurance cover my roommates?
Generally, no. Renters insurance covers only the named policyholder and, in many cases, resident family members. Roommates who are not on the policy are typically not covered for their belongings or personal liability. Each roommate should carry their own renters policy.
Can I bundle renters insurance with my auto insurance?
Yes — many carriers offer multi-policy discounts when you bundle renters and auto insurance together. This is one of the most effective ways for renters to lower their overall insurance costs. Ashmont Insurance Agency compares options across multiple carriers to find the right combination of price and coverage for your situation.
Ready to protect your belongings and your liability?
Compare renters insurance options from top-rated carriers. A licensed advisor will help you set the right personal property limit and make sure you have the protection your landlord's policy doesn't provide.