You return home to your apartment to discover a water pipe has burst and your computer is sitting in two inches of water. You go away for the weekend and come home to find your home has been burglarized. You have a party and one of your guests slips in the kitchen and breaks her leg. The building you live in burns down, taking all your worldly possessions with it.

These are scenarios none of us wish to contemplate, but they may happen at any time. How can you protect yourself if your home entertainment system is stolen, your best friend breaks her leg helping you hang curtains, or everything you own is lost in a fire?

Two words: renters insurance. Like homeowners insurance, renters insurance will protect all your personal possessions from loss and protect you from huge legal and medical bills should someone be injured in your apartment.

My landlord's insurance covers me. Not true. This is a common misconception among renters, and it is untrue in almost all situations. Your landlord carries insurance that will cover his loss in a situation where the building is destroyed or damaged in some way. Your landlord is covered in case someone (including a tenant) is injured on the property, though not in your apartment.

Renters insurance is expensive. Not true. The average renter can get complete coverage for a couple hundred dollars or less a year, depending on where he or she lives. This is a small price to pay for knowing that you and your belongings are protected, isn't it?

My roommate has insurance, I don't need it. Not true. Your roommmate's insurance will cover her possessions, but it will not cover yours unless you are listed on her policy. It is possible (and even encouraged) for roommates to get a single policy to cover all inhabitants and possessions in the apartment.

How do I get renters insurance? Click the link on the left and fill out the form to receive a complimentary quote from our Agency.