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Renters Insurance

Belongings Hold Memories. Make Sure They’re Safe.

If you rent an apartment, house, condo, or even a dorm room, you may not think you need insurance. But in the event that fire, theft, or vandalism damages your property, it’s unlikely that your landlord will pay to replace your belongings.

We know you’ve invested a lot of time and money in your personal property, and it’s up to you to take care of it. Having a Renters Insurance can pay for the cost of replacing your belongings if they are damaged due to a covered claim such as fire, theft, vandalism to name a few.

Depending on your policy, your insurance will pay to replace items using one of two methods: Actual Cash Value (ACV) or Replacement Cost. With ACV coverage, your belongings are insured only for the amount in which they are currently worth, while Replacement Cost will pay for the expense of replacing the items with brand new ones.