Massachusetts Renters / Tenants Insurance

Whether you rent an apartment or a single-family home, you need the proper protection for your family and your belongings. While your landlord's insurance will hopefully provide the necessary coverage on the structure you are living in, that insurance will not afford any coverage for your personal property or your personal liability.

Renters insurance policies are low cost, easy to obtain, and include coverage for:

  • Personal property
  • Loss of use
  • Personal liability
  • Medical payments
  • and more!

The two most important parts of a renters insurance policy are the personal property and the personal liability coverages. Here's what these terms mean, and what protection they offer. 

Personal Property

Personal property consists of your personal belongings - technology, furniture, clothing, jewelry, appliances, kitchenware, etc. While many renters, especially those just starting out, feel like they don't have enough property to protect, the collective cost to replace these items can add up quickly. Before you call us for a quote, take a few moments to consider the value of each of your items, and what it would cost you to replace them in the event of a loss. That amount will be a helpful starting point for you and your customer service team member when discussing your desired personal property limits.

The cost, or annual premium, for your renters insurance policy is based largely on the amount of personal property coverage you purchase. The average cost of a renter's insurance policy with $40,000 of contents coverage is approximately $250 per year.

Personal Liability

Personal liability protects you in the event that you are held liable for bodily injury or property damage caused by your negligence. This important coverage is often overlooked when making the decision to buy renters insurance, but could be the most valuable part of your policy. For example, a visiting friend could accidentally slip and fall in your apartment, resulting in serious injury. Between hospital bills and potential missed wages, your friend could hold you liable for the large sum of the costs incurred. The personal liability portion of your renters insurance policy generally offers limits of $300,000 to provide coverage in these types of scenarios, preventing a freak accident from deeply impacting your future financial stability.

Additional Coverages and Credits

There are many additional coverages that you may want to add to your policy as well as credits that you may qualify for based upon your unique insurance needs. Please request your renters insurance policy using the form on this page, or contact us at 1-800-333-7234 and select Option 2 to discuss your options for a renters policy that will protect you and your assets.