Homeowners & Renters
Renters Insurance 101
Your landlord's policy protects the building, not your belongings or your liability. Renters insurance is an inexpensive way to close that gap.
What it covers
Personal property against fire, theft, certain water damage, and other named perils; personal liability if a guest is injured in your unit; and additional living expenses if you cannot stay there after a covered loss.
Why it is worth it
Most renters policies cost less than a streaming subscription per month, and they can replace thousands of dollars of belongings — plus shield you from a liability lawsuit you never saw coming.
Have questions about this coverage?
Chaz Toomey is here to walk you through your options — no pressure, just clear guidance.