Renters Insurance

Home / Personal Insurance / Renters Insurance
Personal Insurance

Your landlord’s policy does not cover your things.

It covers the building. Everything inside your unit, and your liability if something goes wrong, is yours to insure. Renters coverage is one of the least expensive policies we write.

Get a Quote
The Basics

Three protections in one small policy.

Renters insurance covers your personal property, your liability if you injure someone or damage the unit, and the cost of somewhere to stay if the place becomes uninhabitable.

That third piece is the one people forget. If a fire in a neighboring unit closes the building for two months, loss of use pays for the hotel and the difference in rent. Without it, that comes out of pocket while you are still on the lease.

  • Personal property, on or away from the premises
  • Personal liability and medical payments to others
  • Loss of use if your unit becomes unlivable
  • Bundles with auto for a multi-policy discount

Often Overlooked

  • • Water damage from the unit above you
  • • Theft from your car or while traveling
  • • Dog liability, which varies by carrier
  • • Bikes, laptops and instruments worth scheduling
What’s Included

Core protections in a renters policy

Personal Property

Furniture, electronics, clothing and everything else you own inside the unit.

Personal Liability

Covers you if a guest is injured or you damage the property.

Loss of Use

Hotel costs and rent difference while your unit is being repaired.

Off-Premises Coverage

Your belongings are covered when stolen from your car or while you travel.

Medical Payments

Small medical costs for a guest injured in your unit, regardless of fault.

Scheduled Items

Higher limits for jewelry, firearms, instruments and collectibles.

Common Questions

Renters Insurance FAQs

My landlord has insurance. Why do I need my own?
Their policy covers the building, not your belongings and not your liability. If a fire destroys your furniture, their insurer pays to rebuild the structure and nothing else.
How much does renters insurance cost?
It is typically the least expensive policy in a household, and bundling it with auto often offsets much of the cost through a multi-policy discount.
Is water damage from upstairs covered?
Usually yes for sudden discharge from plumbing or an appliance. Flooding from outside is not, and needs separate flood coverage.
How much property coverage should I pick?
Add up what it would cost to replace everything you own from scratch. Most people underestimate by a wide margin until they walk through a room and count.

Let’s get you covered.

Silverton-based advisors comparing multiple Oregon carriers.

Get a Quote