It’s not required by state law, but many landlords do require it as part of the lease. Even if it’s optional, it’s a smart investment—especially considering how affordable it is. For just a few dollars a month, you can protect thousands of dollars in personal property.

That depends on the value of your personal belongings and whether you need extra liability or specialty item coverage. We’ll help you take a quick inventory and determine the right level of protection for your situation.

Policies typically cover only the person named on the policy. Roommates should purchase separate renters insurance policies to ensure full coverage. We can help set up individual plans with the right balance of affordability and protection.

Common covered events include fire, smoke damage, theft, vandalism, certain types of water damage, and more. Floods and earthquakes usually require separate policies. We’ll explain what’s included and help you fill any gaps.

Some policies extend partial coverage to items in storage units or even inside your car. However, limits may apply, and theft or damage outside your home could require add-ons. We’ll go over all your coverage options to make sure nothing is left unprotected.