Do You Need Renters Insurance?

Thought you or your college student were covered by the landlord’s insurance? Think again. You’ll need renter’s insurance to protect your belongings from perils like theft, vandalism, fire, and falling objects the minute you begin renting. According to recent estimates, nearly two-thirds of the 81 million people who rent their homes are uninsured for their contents or for any liability arising out of their tenancy. Don’t be a statistic – get covered today!

Renters insurance assures you that you’re protected against the damage or loss of personal property when you rent an apartment or house. Your landlord may have insurance that protects the physical building in which you reside, but this insurance will not cover your personal property. In fact, it’s not at all uncommon for landlords to require the purchase of renters insurance prior to renting or leasing.

Not only will renters insurance protect your personal items, it will also give you help with temporary housing and liability protection for people on your property. Renters insurance can help protect you in case of a liability lawsuit against you. This could occur in a situation where you are held responsible for:

  • Injury to another person – Personal accidental actions such as in golf, baseball, a friendly game of football where someone might be injured
  • Damage to another person’s property(whether the incident occurred within your rented residence or elsewhere)

Once you determine your need for renter’s insurance, knowing your options will help you choose the best policy. You might think that it is time consuming to try and figure out how much your belongings are worth. Go room to room (we have an inventory pamphlet that can help you) and write down what is in each room and put a value on it.  Once done, add it up that will give you an approximate figure as to what you should insure your belongings for.


What’s covered?

Think of the costs associated with having to replace everything you own. What if you came home tomorrow and your apartment had burned down? Where would you go? How would you pay to replace your clothing, furniture, and appliances?  When you ask yourself what renters insurance covers, you can say yes to all of the above.  For about $15 a month you can get this protection, and put your mind at ease.

Renters insurance can cover virtually all of your personal possessions. Most policies provide coverage for electronic goods and equipment, small appliances, sports equipment, cameras and photography equipment, furniture, clothing, glassware and china, and books. Items such as computers, jewelry, furs, watercraft, and firearms can also be covered with extended protection. Your renters insurance policy will include:

  • Personal property protection
  • Family liability protection
  • Guest medical protection
  • Additional living expenses
  • Additional protection


Get a Renters Insurance Quote Today!



To tailor a renters insurance policy that’s right for you today, fill out the quick and easy Renters Quote Form to the right now. An Putnam Record Insurance Agency expert will provide you with the best possible quote in no time.

We offer more than just a policy

See what we can do for you today