Personal Property
Most requestedHelps cover your belongings for covered losses like theft, fire, or certain water damage.
- Electronics, furniture, clothing
- Replacement cost options may be available
- Higher-value items may need scheduling
AllGuard Insurance Brokerage Inc
Renters Insurance
Protect what you own and your liability as a renter—often for an affordable monthly cost.
Personal PropertyHelps cover belongings like furniture and electronics
Liability ProtectionHelps protect your finances
Loss of UseHelps with temporary living costs
Independent Brokerage
Fast Quotes
Personalized Coverage
Talk to an Agent
Quick helpHave a deadline, lender request, or need a certificate? We’ll help you move fast.
Have this handy:
- Rental address
- Estimated value of belongings
- Desired deductible
- Landlord requirements (if any)
What is Renters Insurance?
Renters insurance helps protect your personal belongings, provides liability coverage, and can help with additional living expenses if a covered loss makes your rental unlivable.
What does it cover?
Most renters policies include these core protections. Coverage limits and deductibles vary by policy.
Liability
Protects youHelps cover injuries or property damage you may cause to others—plus legal defense costs.
- Slip-and-fall incidents
- Accidental damage to a neighbor’s unit
- Pet-related liability (policy dependent)
Loss of Use
HelpfulHelps with additional living expenses if a covered loss makes your rental temporarily unlivable.
- Hotel and temporary housing
- Extra meals and commuting costs
- Keep receipts for faster reimbursement
Medical Payments
Guest injuriesHelps cover minor injuries to guests on your premises (policy terms apply).
- Small medical bills without a lawsuit
- Can reduce out-of-pocket surprises
- Limits are typically modest
Good to know: Flood and earthquake damage are typically not covered under standard renters policies. Ask us about add-ons if you need them.
Who needs it?
Apartment renters
Condo renters (unit contents/liability)
Students
Roommates (ask about options)
Anyone with valuables
Need proof of coverage?
We can help with quotes, policy questions, and certificate requests. Share your deadline and certificate holder details.
Frequently Asked Questions
Is renters insurance required?
Some landlords require it, and it’s a smart way to protect your belongings.
Does it cover my roommate?
Typically no—each roommate may need their own policy unless listed.
How much coverage do I need?
We can help estimate your belongings and choose limits.
Is my laptop covered outside my apartment?
Often yes, but limits apply—ask us to confirm.
Can I bundle renters with auto?
Yes—bundling may lower costs.
Get a Free Quote
Ready to protect what matters?
Request a free quote or speak with an agent.