Renters Insurance
Pipeline Insurance Services

Renters Insurance

The landlord of your home or apartment has insurance, but it likely only covers the building, not your belongings or even your liability for accidents on the property. What happens if your belongings are stolen in a burglary or damaged by fire or weather? If you have renters insurance, you can recover the value of your belongings, while also enjoying protection if you are sued for liability following an accident.

What is Renters Insurance?

If you rent a home or apartment, insurance is still important to protect you and your belongings. Renters insurance works like homeowners insurance, protecting you if you face a fire, theft, water damage or other situations.

Homeowners Insurance

Renters insurance can provide coverage for:

  • Personal property such as furniture, electronics, clothing and computers
  • Personal liability if someone is hurt in your home or on the property
  • Damage to the property by a covered loss

Your policy can cover you against many unforeseen circumstances, such as:

  • Smoke damage
  • Fire
  • Theft
  • Building collapse due to bad weather
  • Water leaks or overflow
  • Freezing plumbing and air conditioning
Renters Liability Coverage

Make Sure You Have Adequate Coverage

Before you request a quote for renters insurance, it is a good idea to inventory your property and determine the value of your electronics, computers, clothing, furniture, jewelry and more. Once you know what your belongings are worth, you know how much renters insurance coverage you will need.

Renters Property Insurance

You may also want to add optional coverage options such as:

  • Loss of Use to cover certain losses when the home is damaged or uninhabitable due to an insured loss. This includes your living expenses for the period of time to repair or replace your home or resettle your household.
  • Inflation Coverage automatically increases the amount of your insurance as inflation changes.
  • Personal Liability coverage offers payment for your legal liability due to property damage or bodily injury caused by an accident, as well as your legal defense.
  • Medical Payments pays for medical expenses for people who were accidentally injured on the property.
Renters Insurance
Discounts on Renters Insurance

Did you know you can even get discounts on your renters insurance, just as you would with homeowners insurance? Our carriers offer many discounts to make renters insurance even more affordable, including discounts for interior sprinkler systems, staff that watches who enters and leaves the building, smoke alarms and burglar alarms. You can also get discounts for having a claim-free history and having multiple insurance products from the same carrier.

Request Renters Insurance Quote

Request a Free Renters Insurance Quote

Your landlord's insurance will not cover your valuables. Renters insurance, also called an HO4 policy, will give you the financial protection you need if your belongings are stolen or destroyed while giving you liability protection. Stop living each day hoping that something does not happen; get the coverage you need now. Contact Pipeline Insurance Services for free quotes on renters insurance from top-rated carriers so you can sleep easy knowing you are covered.

Get a Quote