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Renters insurance keeps your family, dwelling space and possessions protected against unforeseen events like damage, injury, theft and more.
Renters insurance is a type of insurance policy that covers a tenant’s personal property in a rented apartment, condo or home. It usually also provides liability protection and loss of use coverage if you're not able to remain in your rental due to a covered event.
While your landlord's insurance typically covers the building itself, it doesn't tend to cover a tenant’s personal belongings in case of damage or theft – or liability if someone is injured in your space. Renters insurance helps fill that gap to keep you financially protected against the unexpected.
A standard renters policy typically includes coverage for personal property, liability and additional living expenses if your home is rendered unlivable. It can also protect against perils like fire, theft and vandalism and more.
The cost of renters insurance varies depending on factors like the amount of coverage you need, your location, and the insurance provider. However, it’s generally affordable, with many policies ranging between $15-$30 per month.
The amount of coverage you need depends on the value of your personal belongings and the level of liability protection you wish to have. Conducting a home inventory can give you a better idea of how much coverage you need for your possessions, but VIU by HUB Advisor can help you determine the specifics.
Coverage is generally specific to the individual policyholder and their property. Some policies may allow adding a roommate, but each person's belongings and liabilities are generally better covered under their own separate policy.
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