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  • Writer's pictureEric L. Ash

Insurance 101: Why do I need renter’s insurance?

Renters insurance is an important type of insurance coverage that can provide financial protection for your personal belongings and liability in the event of unexpected events.

Here are some reasons why you might need renters insurance:

  • Protect your personal belongings: Your landlord's insurance policy typically only covers the physical structure of the building and not your personal belongings inside. Renters insurance can help protect your personal property in the event of damage or theft.


  • Liability coverage: If someone is injured in your rented home or apartment, you could be held liable for their medical expenses and other damages. Renters insurance typically includes liability coverage, which can help protect you in these situations.

  • Temporary living expenses: If your rental unit becomes uninhabitable due to a covered event such as a fire or natural disaster, renters insurance can help cover the cost of temporary living expenses such as a hotel room or rental property.

  • Affordable: Renters insurance is typically very affordable, and the cost can vary depending on factors such as your location, the value of your personal property, and the coverage limits you select.

Renters insurance provides important protection for your personal belongings and liability in the event of unexpected events. It can provide peace of mind knowing that you have financial protection in case of the unexpected.

Consider this, what would happen if your apartment building caught on fire and you lost everything….


Blog post by Rebecca Caligiuri, senior insurance advisor at the Eric L. Ash Insurance Agency.



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