Pitch: Insurance? Nah…My Landlord’s Got Me Covered.

Pitch: Insurance? Nah…My Landlord’s Got Me Covered.

There’s a lot of reasons people rent the space where they live. Some do it because they don’t want the responsibility of homeownership. Others because they can’t quite afford to buy a house. There are those who appreciate the relatively low costs of renting vs buying. When you rent, for example, you don’t have property taxes, maintenance expenses or homeowners’ insurance. You do, however, still need to cover your personal property and protect yourself from liability claims. 

If your reaction is “Nah, my landlord’s got me covered.” you better take another look.

Whether you are renting a house or an apartment, your landlord likely has coverage that protects his interest, not yours. Their building will be covered in the event of a fire or other covered calamity, but your personal property? Not so much. If someone trips and falls in your apartment or house, the landlord may be covered from a liability claim, but you, as a tenant, will not. 

The good news is that renter’s insurance will cover your property and cover liability claims, and it is very inexpensive. In fact, some policies can cover you for less than a dollar per day. 

So what will renters insurance protect you from? Some examples include loss of personal items due to fire or storm damage, theft, vandalism and more. It will cover valuable personal items like your clothing, furniture. electronics and digital devices. It can cover any small collections you may have like coins or stamps. It can cover you from liability claims resulting from an injury in your living space to a friend, visitor or even a delivery person. Another nice feature of renter’s insurance is that it will cover a certain amount of your personal property from loss even while traveling. 

Yes, renting can be a smart economic move, but not if you are putting your personal property at risk or potentially subjecting yourself to a liability claim. If you expect your landlord to have you covered you may find yourself in a tough spot.   

If you are renting living space or considering it, we strongly recommend renter’s insurance. We will be happy to assist you in getting sufficient coverage at an affordable rate. Bundle it with your auto insurance and you may see additional savings. Protect your stuff…with renter’s insurance. Contact us today!


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about
our blog writer?

Read more about KayLynn's background.

Search All Blogs

Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

No Needles, No Problem: Unveiling the Secrets of Life Insurance Without a Physical Exam

Life Insurance Made Easy: Skip the Physical, Get Covered Today!

Beyond Million-Dollar Contracts: Why You Need Athlete-Level Protection (Even Without the Millions!)

Health is Wealth: Why You Need Insurance Protection, Even Without a Pro Athlete’s Salary

Don’t Be a Policy Poltergeist: Haunt Your Life Insurance with a Check-Up!

Life Insurance: Is Your Policy a Ghost in the Machine? Get a Free Review!

Beyond the Funeral: 9 Reasons Why You Need More Life Insurance Than You Think

Life Insurance: Not Just for Buryin’! Unexpected Costs You Never Knew Were Covered

Life Insurance Myths Busted: Unveiling the Simple Truths Behind Financial Security

Considering life insurance but confused by the myths? We clear the air on common misconceptions and show you how to get simple, affordable coverage.

The Farewell Financial: Planning a Peaceful Goodbye

Beyond Goodbyes: A Guide to Navigating Funeral Costs and Life Insurance

Why Life Insurance Matters for Businesses

Death and the Business Owner: How Life Insurance Can Secure Your Legacy

Beyond the Grave: Burial Insurance vs. Life Insurance Explained

Don’t Be Buried by Confusion: Understanding Burial and Life Insurance

From Bronze Age to Boomers: How Life Expectancy Went From Meh to Magnificent

How Long Will You Live? A Look at Life Expectancy Throughout History (and Why You Might Need Life Insurance)

Beyond “My Beloved Spouse”: A Guide to Choosing Your Life Insurance Beneficiary

The Beneficiary Bunch: Understanding Your Options