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Renters insurance.

Coverage for your stuff.

A small warmly lit apartment living room on a winter evening, a quilt on the couch and snow outside the window

Your landlord’s policy covers the building. It does not cover anything you put inside it, and it does not cover you if someone gets hurt in your unit.

Renters insurance is usually one of the least expensive policies a person can own, and the one most often skipped. It is worth the ten minutes.

What a renters policy can cover.

  • Personal property

    Furniture, clothes, electronics, tools and gear. Add it up honestly once and the number may be bigger than you think.

  • Liability

    If someone is injured in your place, or you damage the unit or a neighbor’s.

  • Loss of use

    Somewhere to live while the unit is repaired after a covered loss.

  • Medical payments

    Smaller medical costs for a guest injured at your place, without anyone having to sue.

All subject to the coverage and limits on the policy.

A note for seasonal renters.

Plenty of people up here rent for part of the year, or rent a place near work while owning somewhere else. Both situations have coverage questions worth asking out loud, because policies make assumptions about where you actually live.

If you are storing a sled, an ATV or a boat at a rented place, ask specifically. Those are usually not covered as ordinary personal property and need to be handled on their own.

Worth raising before you buy.

Replacement cost is worth the difference

Actual cash value pays depreciated value on a five year old couch. Replacement cost pays to replace it. The premium difference is usually small.

High value items need scheduling

Jewelry, firearms, cameras and instruments have sub-limits. Listing them individually is how you avoid a surprise.

Roommates are not automatically covered

A policy generally covers you and household family members. A roommate usually needs their own.

Questions we get asked.

Does my landlord’s insurance cover my belongings?
No. The landlord’s policy covers the building itself. Your furniture, clothing, electronics and gear are yours to insure, and so is your personal liability inside the unit.
Is renters insurance required?
Michigan does not require it, but many landlords do as a condition of the lease. Even where it is not required it is inexpensive relative to what it covers.
Does it cover my things outside the apartment?
Usually yes, within limits, including belongings in your car or with you while travelling. The limits differ by policy, so it is worth confirming what yours does.

Related coverage

Need renters insurance?

We will shop it across our carriers, then call you back and talk it through. No obligation.

Request a quote Call 231-238-9882