Your landlord’s insurance covers the building — not your belongings or your liability. Renters (HO-4) coverage protects what’s yours, usually for just a few dollars a month.
Renters insurance covers your personal belongings — furniture, electronics, clothing — against theft, fire, and many other losses, whether they happen at home or away.
It also includes personal liability (if someone is injured in your rental, or you accidentally damage someone else’s property) and loss-of-use coverage for a hotel and meals if your rental becomes unlivable.
Most renters policies cost less than a streaming bundle — and many landlords now require one.
Often just $15–$30/month for real protection — we’ll find your best rate.
Most renters policies can be issued same day, online or by phone.
Pair with auto for multi-policy discounts.
Your landlord’s policy covers the building — not your belongings or liability. If your unit floods or is burglarized, only your own renters policy pays you back.