Renters Insurance

Renting an apartment or other dwelling comes with much responsibility. Accidents and other incidents can occur, causing significant damage to your personal belongings. Renters insurance can help protect you from paying high out-of-pocket costs following a covered incident inside the place you’re renting. Learn more about renters insurance below.
Apartment building

Do I Need Renters Insurance for an Apartment?

Renters insurance is typically not mandatory, but some apartment complexes and homeowners associations might require you to carry renters insurance. Regardless, having renters insurance can significantly reduce the burden of covering high costs if a covered incident occurs, such as a fire.

Do All Apartments Require Renters Insurance?

Not all apartments or landlords require tenants to carry renters insurance. But some may require proof of insurance before you can move into your rental unit as they do not want to be held liable for damage to a tenant’s personal belongings kept inside the apartment. If your landlord requires you to have a renters insurance policy, we can help you find one that meets your needs. Learn more about renters insurance by contacting RCU Insurance Services.

Does Renters Insurance Cover Theft?

Renters insurance serves as a financial safeguard against various incidents, including damage to your personal property, liability for injuries or property damage, and loss of use.

Personal property coverage helps cover costs if items kept inside your dwelling become damaged or stolen.
Liability coverage helps cover medical expenses if someone gets injured inside the place you’re renting.
Additional living expense coverage helps pay for temporary living arrangements if you cannot live in the place you’re renting because it was damaged.

Under the personal property coverage portion of a renters insurance policy, your personal property may be covered against theft. This means that, depending on the situation and your policy, you may be able to file a claim against your policy to replace an item that was stolen.

Policies may be tailored to include additional or alternative coverages. Contact an agent at RCU Insurance Services to learn more about personal property coverage and additional coverage options.

Learn More

If you are a tenant looking for renters insurance near Santa Rosa, California, we can help. The experienced agents at RCU Insurance Services are here to help you learn more about renters insurance so you can decide on the right policy for your apartment.

To learn more about potential policy options, contact our agency today at 707-576-5115.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Don’t hesitate to contact your insurance professional for further information.