Don’t Own the Place? Still Yours to Protect.

Renters Insurance

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Big Protection for Small Spaces

Your landlord’s policy won’t cover your laptop, bike, or anything else inside your apartment. That’s where renters insurance comes in. Whether you're in your first place or just moved to Mars Hill, we’ll help you find low-cost coverage that protects your stuff—and your peace of mind—without blowing your budget.

What’s Covered with Renters Insurance?

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Personal Belongings

Furniture, electronics, clothes, appliances—covered against theft, fire, and certain types of damage.

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Liability Protection

If someone gets hurt in your rental or you accidentally damage property, you’re covered.

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Loss of Use

If your place becomes unlivable due to a covered loss, this helps cover hotel stays or temporary housing.

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Optional Add-ons

Add coverage for valuables like jewelry or electronics, or increase limits for high-value items.

Quick Answers About Renters Coverage

  • Do I really need renters insurance if my landlord has coverage?

    Yes. Your landlord’s policy only covers the building—none of your personal items. Renters insurance fills that gap, protecting what’s inside and covering liability if something happens.

  • Is renters insurance expensive?

    Not at all. Policies can start as low as $10–$20 a month, depending on your location and coverage limits. It’s one of the most affordable types of insurance you can buy.

  • Does renters insurance cover roommates?

    Usually, only the person named on the policy is covered. If you have roommates, they should have their own policy—unless you’re listed jointly. We can walk you through the best setup.

  • Will it cover my belongings when I travel?

    Yes! Many renters policies cover your personal items even if they’re stolen or damaged while you’re away from home—like on vacation or during a move.

  • Can I bundle renters insurance with my car insurance?

    Yes—and it often saves you money. Bundling renters and auto insurance can qualify you for multi-policy discounts and streamline your billing.

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Coverage That’s Easy to Get & Easier to Afford

No one likes unexpected expenses. Renters insurance keeps life’s surprises from becoming financial setbacks. Let us help you find coverage that’s quick to quote and easy to trust.