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Renters insurance for your belongings and everyday life
Your landlord's insurance usually protects the building, not everything you own inside it. Allen Insurance Group helps renters review coverage options for personal belongings, liability, and additional living expenses after a covered loss.
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Protection for what matters
Your landlord's insurance usually protects the building, not everything you own inside it. Allen Insurance Group helps renters review coverage options for personal belongings, liability, and additional living expenses after a covered loss.
Why renters insurance matters
Renters insurance can be an affordable way to protect personal belongings and provide liability protection. It may help with losses involving theft, fire, certain water damage, visitor injuries, and temporary living costs after a covered event.
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Furniture and Belongings
Sofas, beds, tables, and other furniture you own are typically covered against theft, fire, and certain other losses.
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Who should consider renters insurance
Renters insurance is designed for anyone renting a home or apartment. Here are common situations where coverage makes sense.
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Apartment Renters
Living in an apartment? Your landlord's insurance covers the building, not your belongings or liability.
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House Renters
People renting a house
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Learn
Students
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Young Professionals
Starting your career and renting? Renters insurance covers your furniture, electronics, and protects you from liability claims.
Coverage conversations to consider
Choosing renters insurance involves a few key decisions. An Allen advisor can walk you through each one and help you find options that fit your needs and budget.
Personal property limits
This is the maximum amount your policy will pay for covered belongings. You'll want to estimate what your furniture, electronics, and clothing are worth.
Liability limits
This covers medical bills and legal costs if someone is injured at your rental. Common limits range from $100,000 to $300,000. Your lease or landlord may have a minimum requirement.
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How Allen helps
We work with you step by step to find renters insurance that fits your life.
Learn
Learn about where you live and what you want protected.
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Explore
Review belongings, liability needs, lease requirements, and budget.
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Compare
Help compare available options from carriers we work with.
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Questions
We answer the most common questions renters ask about coverage and protection.
Renters insurance typically covers personal belongings like furniture, electronics, and clothing. It also provides liability protection if someone is injured in your rental, and may help cover temporary living expenses if your rental becomes uninhabitable after a covered loss.
No. Your landlord's insurance protects the building structure and their liability. It does not cover your personal belongings, clothing, electronics, or furniture. That's where renters insurance comes in.
Requirements vary by lease and location. Some landlords require renters insurance as a condition of the lease. Even if it's not required, it can be an affordable way to protect what you own and your personal liability.
Typically, each person on a lease should have their own renters insurance policy. This ensures each roommate's belongings and liability are properly covered. Our advisors can help you understand what works best for your situation.
Yes, renters insurance typically covers theft of your personal belongings. Coverage details depend on the specific policy and circumstances. Talk with an Allen advisor about what's included in your coverage.
Does renters insurance include liability protection?
Yes. Renters insurance typically includes personal liability coverage, which may help if someone is injured in your rental and you're found responsible. It can also cover damage you accidentally cause to the rental property.
Ready to review renters insurance?
Send us a few details and our team will help you take the next step.
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