Apartment and rental home coverage
Renters insurance for your apartment or rented home
Your landlord’s insurance covers the building, not your things. Renters insurance helps protect your belongings and your finances if something goes wrong. Kaufman Insurance Group compares renters options from multiple companies and can often pair renters with your auto policy.
- Coverage for your belongings, at home and away
- Liability protection if someone is hurt in your home
- Help with living costs if a covered loss forces you out
Personal & Commercial · Quick Quotes – Good Rates · Great Companies
As an independent agency, we compare renters insurance from the companies we work with. The companies that can quote you depend on what you want to insure, where you live, and each company’s own rules.
These logos show some of the insurance companies Kaufman Insurance Group may be able to quote as an independent agency. Showing a logo does not mean the company endorses us. Which companies can offer you coverage depends on the type of insurance, where you live, and each company’s own rules.
The basics
What renters insurance is
Renters insurance is a policy for people who rent an apartment, house, townhome, or other home. It protects the things you own and helps pay if you are responsible for someone getting hurt or for damaging someone else’s property.
Many renters assume the landlord’s policy will cover them after a fire or break-in. It usually does not. A landlord’s policy is written to protect the building and the landlord’s own liability. Your furniture, clothes, electronics, and other belongings are your responsibility.
Renters insurance also includes liability coverage. If a guest trips in your apartment and is injured, or you accidentally cause a fire that damages a neighbor’s unit, liability coverage can help pay for their costs and your legal defense, according to the policy terms.
What your landlord’s policy covers
The building itself and the landlord’s own liability. It generally does not cover your belongings.
What your renters policy covers
Your belongings, your personal liability, and extra living costs after a covered loss.
Know what you are choosing
What renters insurance typically includes
Most renters policies are built from a few main parts. The details depend on the company and the options you choose.
Personal property
Helps repair or replace your belongings after covered events such as fire, smoke, theft, and certain water damage.
Personal liability
Helps pay if you are responsible for injuring someone or damaging their property, including legal defense.
Loss of use
Helps pay extra costs such as a hotel and meals if a covered loss makes your home unlivable for a while.
Medical payments to others
Helps pay small medical bills for a guest who is hurt in your home, regardless of who was at fault.
Coverage away from home
Your belongings may be covered while you travel or if they are stolen from your car, according to the policy.
Optional add-ons
Options such as replacement cost coverage, scheduled jewelry, or water backup, depending on the company.
Standard renters policies usually do not cover flood or earthquake damage. Ask us about separate flood coverage if you live near water.
Is it right for you
Who needs renters insurance
Anyone who rents a place to live can benefit from renters insurance. Many landlords and apartment communities now require it in the lease.
Apartment renters
Your lease may require proof of renters insurance, and your neighbors’ mistakes can affect your unit, too.
People renting a house
You are responsible for your belongings and for guests who visit your rented home.
Students and first-time renters
A simple policy can protect laptops, phones, and furniture, and it builds a history with an insurance company.
Renters who also own a car
Renters insurance can often be paired with auto insurance with the same company.
Does your lease require renters insurance? An agent can help you get proof of coverage.
How Kaufman helps
How we help you insure your rental
Renters insurance is simple, but the details still matter. We explain your options in plain language and help you pick coverage that fits your budget.
Tell us about your rental
Share your address, the type of building, and a rough idea of what your belongings are worth.
We compare companies
An agent reviews renters options from the companies we work with and checks whether pairing with your auto makes sense.
Get covered
Choose your coverage and deductible. We can send proof of insurance to your landlord if your lease requires it.
If you are not sure how much your things are worth, walk through each room and make a quick list or video. Most people are surprised by how much it would cost to replace everything at once. We focus on Ohio and North Carolina, and we can also help renters in most other states.
Common questions
Renters insurance questions
Does my landlord’s insurance cover my belongings?
Usually not. A landlord’s policy generally covers the building and the landlord’s liability. Your own belongings and your personal liability need your own renters policy.
What is the difference between replacement cost and actual cash value?
Replacement cost coverage helps pay what it costs to buy a new item today. Actual cash value pays what the item was worth at the time of loss, after depreciation, which is usually less.
Does renters insurance cover my roommate?
Usually not automatically. A renters policy covers the people named on it and certain relatives who live with you. Roommates often need their own policy.
Can I bundle renters and auto insurance?
Often, yes. Many companies offer renters and auto insurance together. We can compare bundled and separate options for you.
Does renters insurance cover flood damage?
Standard renters policies usually do not cover flooding from rising water. Separate flood insurance can cover your belongings.
Related coverage
Coverage that pairs well with renters insurance
Auto insurance
Coverage for the vehicles you drive, often paired with renters insurance.
Explore auto insuranceHome and auto bundles
See how renters or home insurance can be combined with auto.
Explore bundlesJewelry insurance
Extra protection for rings, watches, and other valuables.
Explore jewelry insurancePersonal insurance hub
See every type of personal coverage we can help you with, from your home and cars to your toys and valuables.
Explore personal lines insuranceReady to protect your belongings?
Start a renters insurance quote online, or contact us with questions. An agent will help you compare your options.
Prefer to talk? Call (330) 486-8404.