IronPoint Insurance Services, LLC

06/02/2026

You're signing a lease, everything looks good, and then you hit a line that says: "Tenant shall maintain a renters insurance policy throughout the term of the lease."

Wait — can they actually require that?

Yes. And here's the part most landlords don't bother to explain: that requirement might be working more in your favor than theirs.

A few things worth knowing:

Your landlord's insurance covers the building. Your stuff? Not on the list. Furniture, electronics, clothing — none of it is touched by their policy after a fire or break-in. A lot of tenants find that out the hard way.

The liability side is actually where the real exposure is. A guest slips, your dog bites someone, a forgotten bathtub overflows into the unit below — you could be holding the financial bag. Renters insurance covers that.

And if a fire or water damage forces you out temporarily? Your landlord isn't obligated to house you. Hotels in most cities run $150–$250 a night. Renters insurance picks up that tab, too.

The cost? Usually $12–$20 a month. Bundle it with your auto, and it can cost even less.

It's one of those rare lease requirements that's actually on your side.

We broke down everything you need to know — what landlords can require, what they can't, and what the coverage actually does for you. 👇

https://www.ironpointinsurance.com/can-a-landlord-require-renters-insurance/

05/18/2026

Clean driving record. No claims. No tickets.

Still paying more than you expected?

Your credit score might be the reason — and most drivers have no idea it's even a factor.

Insurers use a credit-based insurance score to predict how likely you are to file a claim. Better credit generally means lower rates. Poor credit can add hundreds to your annual premium, even if you've never had an accident.

The full breakdown is at the link — including what actually goes into the score and how to use it to your advantage.

👉 https://www.ironpointinsurance.com/credit-based-insurance-scoring/

05/18/2026

Love this! We are rooting for our partners in AdvisorCovered.com. Such an awesome idea to make buying E&O insurance as easy as GEICO makes auto insurance. Great idea, best of luck!

We're proud to announce the launch of AdvisorCovered.com.

IronPoint has been placing E&O insurance for financial professionals since 2007. What used to take days of broker submissions and paperwork can now be done entirely online — in minutes.

RIAs, IARs, financial planners, and insurance agents can now quote, bind, and manage their professional liability coverage on any device, at any time.

Coverage underwritten by National Casualty Company, a Nationwide Insurance Company. Available in all 50 states.

The process was overdue for a change. We built it.

Quote and buy in minutes at AdvisorCovered.com