The Guide to Renter’s Insurance for Your Apartment

Renter's insurance

Keep your apartment and your property safe from thieves with renter’s insurance!

If you are like the other millions of Americans renting a luxury apartment without insurance, you are making a big mistake. Just like homeowner’s insurance, your renter’s insurance will protect the property within your apartment. But what will it protect? Isn’t it expensive? There are many different misconceptions about renter’s insurance, but don’t worry, we can help clear them up for you!

What Does Renter’s Insurance Cover?

Your renter’s insurance is a great way to protect both you and your belongings. Most policies cover personal property, liability, and additional living expenses. If thieves break into your home and steal your property, your renter’s insurance will pay to replace whatever is stolen or broken. If your apartment is damaged by fire or other natural disaster, your property will be replaced and your insurance could help you find a place to stay while your apartment is being restored. Relocation expenses or additional living expenses can help cover the living costs you might incur. And finally, if someone falls on your property and decides to sue you for damages, your insurance will pay for your legal expenses as well as any damages awarded in the case. Renter’s insurance is made to benefit the renter.

It’s All a Misunderstanding!

Renter’s insurance, like most insurance, gets a bad rap about being expensive and ineffective. But it truly is there to help you with your incidentals. Many people assume since a landlord has insurance that the renter does not need insurance of their own, but that is not true. A landlord’s policy will not cover your belongings. Landlord’s insurance only covers the structure of the building. Unlike other insurance, renter’s insurance is extremely cheap at $10 to $20 per month and it can cover up to $30,000. The average person owns more than $20,000 worth of property, so protecting your stuff is definitely worth the $20 per month. Even if you move frequently, it is still worth having. It will move with you and protect your belongings wherever they travel. If you think you don’t need this insurance because it is a safe community like Harborside Village Apartments, you may be right. But renter’s insurance can protect you more than you know. It can protect your car, while you are on vacation, any personal accidents that may occur in your building, and even fire or hail damage.

Overall, renter’s insurance is made to protect you wherever you go in life. So why not protect yourself?

Harborside Village Luxury Apartments

Luxury apartment living is easy in Harborside Village Apartments are beautiful waterfront luxury apartments located on the picturesque Gunpowder Cove! To contact Harborside Village, please give us a call at 410-679-1130 or send us an email at You can also request a brochure to learn more about life at Harborside Village on our website!


This entry was posted on Wednesday, September 2nd, 2015 at 8:33 pm . Both comments and pings are currently closed.

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