Renters Insurance: Protect Your Belongings & Peace of Mind
Even if you don’t own your home, your belongings and financial security deserve protection. Renters insurance safeguards your personal property from unexpected events like theft, fire, or water damage, while also providing liability coverage in case of accidents. At ASR Insurance Legacy, we make it easy to get affordable, comprehensive renters insurance tailored to your needs.
Why Renters Insurance is Essential
Many renters assume their landlord’s insurance covers their personal belongings—but it doesn’t. A landlord’s policy only protects the building structure, not your possessions. That’s where renters insurance comes in:
✅ Personal Property Protection – Covers furniture, electronics, clothing, and valuables from theft, fire, or damage.
✅ Liability Coverage – Protects you if someone is injured in your rental or if you accidentally cause damage to the property.
✅ Additional Living Expenses – Pays for hotel stays and meals if your rental becomes unlivable due to a covered event.
✅ Affordable Peace of Mind – A small monthly cost can save you thousands in potential losses.
What Does Renters Insurance Cover?
Our customized policies provide coverage for a wide range of risks, ensuring your belongings and financial security stay protected.
1. Personal Property Coverage
Protects your belongings—including furniture, clothing, electronics, and appliances—against risks like:
✔ Fire and smoke damage
✔ Theft and vandalism
✔ Water damage (from leaks, burst pipes, etc.)
✔ Windstorms and hail
2. Liability Protection
If someone is injured in your rental home or you accidentally damage someone else’s property, renters insurance covers:
✔ Medical expenses for the injured person
✔ Legal fees if you’re sued
✔ Property damage you’re responsible for
3. Additional Living Expenses (ALE)
If your rental becomes uninhabitable due to a covered event, ALE pays for:
✔ Hotel stays
✔ Temporary housing
✔ Meals and other essentials
4. Loss of Use Coverage
Helps cover extra expenses if you need to live elsewhere temporarily due to a covered loss.
Optional Add-Ons for Extra Protection
🔹 Replacement Cost Coverage – Ensures you receive the full cost to replace damaged or stolen items, rather than just their depreciated value.
🔹 High-Value Items Coverage – Extra protection for expensive jewelry, artwork, collectibles, or specialty electronics.
🔹 Water Backup Coverage – Covers damages caused by sewer or drain backups.
🔹 Identity Theft Protection – Helps cover costs related to identity fraud or stolen personal information.
Who Needs Renters Insurance?
📍 Apartment renters – Protect your furniture, electronics, and personal items.
📍 House renters – Coverage for personal property and liability risks.
📍 College students – Essential for students living off-campus in rented apartments.
📍 Short-term renters – Airbnb, sublets, and temporary leases still need protection.
If you’re renting a home, condo, or apartment, renters insurance ensures you don’t have to pay out of pocket for unexpected damages or losses.
How Much Renters Insurance Do You Need?
To determine the right coverage, consider:
📌 The value of your belongings – Conduct a home inventory to estimate how much coverage you need.
📌 Your risk exposure – If you own high-value items or live in a high-risk area, consider additional coverage options.
📌 Your budget – Renters insurance is highly affordable, and we’ll help you find a policy that fits your needs.
Our experts will help you customize a policy so you get maximum protection at the best price.
Get a Renters Insurance Quote Today!
Don’t leave your valuables and financial security unprotected. Let ASR Insurance Legacy find the right renters insurance policy for you.