Renters & Condo Insurance
Your landlord’s or condo association’s policy covers the building, not your belongings or your personal liability. Renters and condo insurance fills that gap, usually for less than people expect, and it can often lower your auto premium when you bundle.
What Renters Insurance Covers
Your Belongings
Furniture, electronics, clothing and everything else you own, whether it’s in your apartment, your car or a storage unit.
Personal Liability
Protection if someone is hurt in your home or you accidentally damage someone else’s property, like a kitchen fire that spreads to the unit next door.
Loss of Use
Extra living costs, such as a hotel and meals, if a covered loss makes your home unlivable while it’s repaired.
Medical Payments to Others
Helps pay smaller medical bills for a guest who is injured at your place, regardless of fault.
Condo Insurance (HO-6)
Your association’s master policy covers common areas and part of the building, but what it leaves to you varies a lot. Some master policies stop at the bare walls; others include original fixtures. Your HO-6 policy picks up where the master policy ends: interior walls, floors, cabinets, upgrades, your belongings and your personal liability.
We’ll review your association’s master policy and bylaws with you so your coverage matches what you’re actually responsible for, without paying for overlap.
Coverage Worth Asking About
- Replacement cost on belongings. Pays to replace items new, rather than their depreciated value.
- Water backup. Covers damage from a backed-up sewer or drain, which standard policies often exclude.
- Scheduled valuables. Extra protection for jewelry, firearms, collectibles and other high-value items.
- Loss assessment (condos). Helps pay your share if the association bills owners for a covered loss or liability claim.
- Umbrella coverage. An extra layer of liability protection on top of your renters or condo and auto policies.
Carriers We Work With
As an independent agency, we compare coverage and price across multiple insurance companies, including:
Protect your belongings for less than you think
Get a renters or condo quote, often bundled with your auto for extra savings.
Call 234-254-5660Request a Call BackFrequently Asked Questions
Does my landlord’s insurance cover my belongings?
No. A landlord’s policy generally covers the building and the landlord’s own liability. Your belongings and your personal liability need your own renters policy.
How much renters insurance do I need?
Think about what it would cost to replace everything you own. Most people are surprised by how quickly it adds up. We can walk through a quick room-by-room estimate with you.
What is loss assessment coverage?
If your condo association charges owners for a covered loss to common areas, or for a liability claim that exceeds the master policy, loss assessment coverage can help pay your share.
Does renters insurance cover my roommate?
Usually not. A renters policy typically covers the named insured and household relatives, so roommates should generally carry their own policy.
Can I bundle renters or condo insurance with my auto?
Yes. Many carriers offer a multi-policy discount, and the savings on your auto can offset much of the cost.
Coverage, discounts and availability vary by carrier and are subject to underwriting. This page is general information, not a policy contract.