Protect your personal contents with a Renters Insurance policy from Spalding Insurance.

What is renters insurance?

Renters insurance provides coverage for your personal contents and personal liability while residing as a tenant in an apartment or rental home. 

Why do i need renters insurance?

It's likely that your landlords insurance policy doesn't cover your any of your personal contents if they were to become damaged, vandalized, or stolen. That means, the stuff in your apartment or home (like clothes, furniture, household goods, etc.) wouldn't be covered and would have to replaced out-of-pocket after suffering a loss if you didn't have a renters insurance policy. 

What does a renters insurance policy cover?

A renters insurance policy covers more than just your personal belongings. Here are the standard coverages found in a typical Renters Insurance policy:

Personal Liability provides coverage if you are found liable for damages or injury to another person or their property.

Loss of Use coverage reimburses renters for the expense of temporary housing if your apartment or rental home becomes uninhabitable due to a loss (like fire, water, or smoke damage).


Personal Belongings are covered. This includes things like furniture, household items, and clothes up to a coverage limit set by you. 

Medical Payments coverage will pay for first-aid and medical expenses a guest that was injured while in your apartment or rental home.