Renters Insurance

As a renter, one of the most important things you should know is that your landlord’s insurance policy covers damage and losses to the building you live in — but it typically doesn’t cover your personal belongings. It also doesn’t pay legal fees or settlements if you’re sued by someone for injury or property damage. This is where renters insurance can help.

Do I need renters insurance?

Some landlords may require tenants to buy renters insurance with liability coverage, in case the renter damages the building or unit. Even if your landlord doesn’t require you to have renters insurance, it’s important to understand that your landlord’s insurance policy most likely doesn’t cover your personal possessions, like furniture, computers or clothing. A renters policy can help pay for damages or loss if, say, a fire breaks out or a pipe bursts and ruins your things.

Renters insurance horror story...

A fire in a nearby apartment building was what convinced Cecilia Garza to get renters insurance. Seven years later, it came in handy, when a neighboring unit in her building caught fire, causing soot and smoke damage to her home. “It destroyed pretty much everything that had fabric — couches, curtains, clothes,” she told The Washington Post. “All of the carpeting had to be replaced.” Through her renters insurance, she got a check to replace her damaged items “in a few weeks.” (Source)

Landlord or Rental property insurance

What kind of rental property do you own? You might have several multi-unit complexes. Maybe you restored a vintage fourplex in a historic district — or rent out a single-family house you inherited from an aunt.

Optional Coverage Add-ons

Enhance your policy with loss of rents, personal property, personal injury, and other structures.

What can this coverage do for you

Provide financial protection if your rental property is damaged, becomes unlivable after a catastrophic event such as a fire or a storm, or if someone is hurt on the property.

Main types of auto coverage

Liability

Liability coverage helps pay the cost of injury to others and damage to their property when you're at fault. This coverage is required by law in nearly all states.

Collision

Collision coverage helps cover the cost to repair or replace your own vehicle when you're at fault. It covers collisions with other vehicles, objects and animals.

Comprehensive

Comprehensive coverage covers your vehicle for loss caused by things besides a collision. These include theft, vandalism, hail, fire, and animal damage.

Policy Customization and Enhancements

Towing & Roadside assistance

Towing and Roadside Service provides 24/7 roadside assistance if your car is disabled and helps pay for tire changing, locksmith service and jumpstarts.

Rental car

Covers the cost of renting a car for up to 30 days while yours is repaired and in some cases might offer Rental Car Reimbursement.

Guaranteed value

Guaranteed Value pays you a defined, agreed-upon value if your car is a total loss.

Customized equipment

Customized Equipment covers the cost to repair or replace aftermarket equipment like infotainment systems and custom wheels.

Ride Share and More

Auto Insurance

What's in your garage? There's as many answers to that question as there are drivers. You probably chose your vehicle because it fits your lifestyle and what you care about. Your auto insurance can do the same. We work with individuals and families to provide them with the information they need to select auto coverage that reflects how they want to protect their vehicles and assets.