Renters Insurance

Renters insurance protects your personal property against damage or loss and protects you in case someone is injured on your property. Most renters insurance policies provide two basic types of coverage: personal property and liability. Personal property coverage pays to repair or replace personal belongings if damaged, destroyed or stolen. Liability insurance provides coverage against a claim or lawsuit resulting from bodily injury or property damage to others caused by an accident while on the policyholder’s property. 

There are two major types of renters insurance:

Broad form. Covers personal belongings against specific events, such as fire or theft. This is the most commonly purchased renters policy. Typical coverage under this form includes damage from fire, lightning, explosion, smoke, vandalism, theft and water-related damage from utilities.

Comprehensive form. Provides coverage from a range of events, such as storm damage, unless specifically excluded by the policy. Considering the potential amount of coverage, the premiums for this type of policy may be higher.

Our Office of Consumer Services can assist you if you have questions about a policy or need to file a complaint. 

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