07/30/2026
🏠 Your landlord has insurance, but that doesn’t necessarily mean you’re covered.
One of the biggest misconceptions about renters insurance is that your landlord’s policy will replace your furniture, clothes, electronics, and other belongings if something happens.
In most cases, your landlord’s insurance protects the building — not everything you own inside of it. 😬
And your belongings may be worth more than you realize. Think about what it would cost to replace your couch, bed, laptop, TV, clothes, shoes, kitchen items, and everything else all at once. It adds up quickly.
Have roommates? Their renters policy may not automatically protect you either. Each roommate typically needs coverage for their own belongings.
Renters insurance may also help with additional living expenses if a covered loss makes your home temporarily uninhabitable. So if you need to stay in a hotel or temporary rental while repairs are being completed, you may have coverage for that too. 🏨
Don’t wait until something happens to find out who, or what, is actually covered. If you’re renting and aren’t sure what protection you have, give us a call!