The landlord policy is misunderstood
The building can be insured while the tenant's belongings and liability are not.
Renters insurance
Your landlord's policy does not insure your belongings.
Renters insurance can address personal property, additional living costs, and personal liability in a rented home or apartment.
Why it matters
The policy should reflect the way the risk actually looks.
A building owner's policy is for the building and the owner's interest. It generally does not replace a tenant's property or liability coverage.
Coverage, eligibility, endorsements, limits, and pricing vary by carrier, state, policy language, and individual circumstances.
Common coverage gaps
The risk is often in the details.
Replacement cost is not selected
Settlement for damaged belongings may reflect depreciation unless replacement-cost terms apply.
Temporary housing is overlooked
A covered loss can make a rental uninhabitable while repairs are made.
What to consider
Questions worth reviewing before a policy is placed.
Personal-property limit and replacement-cost option
Additional living expense limit
Personal liability and medical payments
Deductible and special limits for valuables
Roommates, pets, business property, and storage
Independent by design
More than one insurance market. One Agency 1 relationship.
Agency 1 is not tied to a single insurance company. Our team helps clients evaluate available coverage options across multiple markets. Carrier availability, eligibility, products, and pricing vary by state and risk.
Questions people ask
Useful answers before you decide.
Ready when you are
Ready for a more informed insurance conversation?
Start with the information you already have. Our team will review the details and follow up.