Renters Insurance
Protect what you own with innovative and customized insurance strategies, so you’re prepared when you need it most. Renters insurance is designed to help protect your personal belongings and finances while you rent an apartment, condo, home, or room. Many renters are surprised to learn that a landlord’s insurance typically covers the building—not your personal property or personal liability. Renters insurance helps fill that gap with affordable, practical protection.
Below are common coverages renters choose to include. If you need coverage not listed here, don’t hesitate to reach out—we can help you build a policy that fits your lifestyle and budget.
Personal Property Coverage (Your Belongings)
Renters insurance can help cover your personal belongings—like furniture, electronics, clothing, and kitchen items—if they’re damaged or stolen due to a covered loss (coverage depends on the policy). We help you choose the right limit and decide whether replacement cost coverage makes sense.
Theft Protection (On and Off Premises)
Many renters policies can help cover eligible theft losses—not only from your unit, but also in certain situations away from home (for example, items stolen from your car or while traveling), depending on policy terms.
Personal Liability Protection
If someone is injured in your rented home—or you’re accused of causing damage to someone else’s property—liability coverage can help with eligible legal costs, settlements, and covered claims.
Medical Payments to Others
If a guest is injured in your rental, medical payments coverage can help pay for smaller medical bills—often without needing to prove fault—helping prevent minor incidents from becoming major disputes.
Loss of Use (Temporary Living Expenses)
If a covered loss makes your rental unlivable, loss of use coverage can help pay for eligible temporary housing and related expenses while repairs are completed.
Additional Living Expense Planning
Renters often underestimate how quickly costs add up if they have to move temporarily. We help you select realistic loss-of-use limits so you’re not forced to cover relocation expenses out of pocket.
Optional Add-Ons (Valuables, Identity Theft, More)
Many renters strengthen coverage with add-ons like higher limits for valuables (jewelry, cameras, computers), identity theft protection, or special endorsements based on lifestyle and risk.
Quick Answers People Search For:
Is renters insurance required?
It’s not always required by law, but many landlords and property managers require it in the lease. Even when not required, it’s one of the most affordable ways to protect your belongings and liability.
Does renters insurance cover my roommate?
Usually not automatically. Many policies cover only the named insured (and sometimes listed household members). If you have roommates, each person may need their own policy unless the carrier allows adding them.
What does renters insurance cover?
Typically: personal property, personal liability, medical payments to others, and loss of use after a covered loss (coverage varies by policy).
At StarNet Insurance Group, we make renters insurance clear and affordable—so you can protect your belongings, your budget, and your peace of mind with confidence.