Renters Insurance

What Is Renters Insurance?

If you rent instead of own where you live, then you should consider renters insurance. This insurance covers apartments, mobile homes, and any rented living space. Anyone who rents property is possibly eligible for this coverage. The purpose of this coverage is to protect the renter’s personal belongings. In some cases, liability may also be included.


Home + Auto

Life + Income



How Does It Work?

This policy is for situations such as theft, fire, and other mishaps that can damage belongings. Landlord insurance does not cover the belongings of a tenant. That is why this coverage is necessary. However, it does not cover flood damage.

If a mishap occurs, then the tenant files a claim. When you have this coverage, you will need to have proof of loss. You may also need a police report if theft occurs. With the insurance company verifies your claim, you will pay your deductible and then the insurance will do its part.

There are limits on how much the insurance will pay. All of this will be discussed when you purchase your policy. The insurance company will give you money to purchase a new item or will give you funds that equal the original price of the item.

Major Benefits

This insurance is beneficial because it protects renters. Renters insurance is necessary if you want help replacing your belongings. Your landlord is not responsible for your personal belongings.


(859) 479-1234

220 Lexington Green Circle Suite #130 | Lexington, KY 40503