RENTERS INSURANCE
Your landlord’s policy protects the building—not your stuff. We make it simple and affordable to cover your belongings and your liability.
From studios in Boise to family rentals in Nampa, we’ll right-size protection so you only pay for what you need.
What We Help You With:
PERSONAL PROPERTY →
Coverage to replace your belongings if they’re damaged or stolen due to a covered event such as fire, theft, or certain disasters. Replacement cost value (RCV) options are available so you can recover the full value of your items, not just their depreciated worth.
PERSONAL LIABILITY →
Provides protection if you’re found legally responsible for accidentally causing injury to someone else or damaging their property. This coverage can help pay for legal fees, medical bills, or settlement costs.
LOSS OF USE →
If a covered loss makes your home unlivable, this coverage helps pay for additional living expenses while repairs are underway. It can include costs like hotel stays, meals, and other essentials.
SCHEDULED ITEMS →
Offers extra protection for valuable possessions such as jewelry, bicycles, or musical instruments that may exceed standard policy limits. These items are insured individually for their appraised value.
BUNDLE DISCOUNTS →
Save more by combining your homeowners or renters policy with your auto insurance. Bundling helps lower premiums while keeping all your coverage in one convenient place.
Renters FAQ
Is renters insurance required?
Many landlords require it. Either way, it’s smart protection for a low monthly cost.
How much personal property coverage should I pick?
Add up big items (furniture, electronics, clothing). We’ll help estimate and choose a deductible.
What’s covered outside my apartment?
Personal property is typically covered anywhere in the world, subject to policy terms.
Do roommates need their own policy?
Usually, yes. Each tenant should protect their own belongings and liability.
Will my landlord be listed as “additional interest”?
We can add your landlord so they receive proof/notice—easy and free.