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Renters Insurance


Renters Insurance Information

We get it: most people who rent don’t purchase renters insurance. But we argue that, much like getting a cheap haircut, not purchasing renter’s insurance is short-sighted and can often have catastrophic results.

When you’re renting an apartment, your landlord oftentimes takes care of most problems with the building. But your landlord’s insurance doesn’t cover any damage to your things. Time and again we hear horror stories where renters lose everything because of fire, smoke or other types of damage.

At PLR, we believe that everyone's insurance needs are not the same. And we approach renter’s insurance just like we approach everything else: with a conversation. We want to learn about you: your living situation, your needs. Then we use that information and our expertise to match you with the right policy.

If you are ready to start the conversation, let's talk. If not, we encourage you to learn more about Renters Insurance below.


What is Renters Insurance?

Essentially, it’s home insurance for everything except the building! Renters insurance does exactly what it sounds like it does; it protects your possessions when you’re renting a house or apartment. It covers you when your things are stolen or damaged, and your legal fees if you, your family or pet cause bodily injury or property damage.

Why do I need Renters Insurance?

Renters Insurance takes care of your things, and will cover you for everything from burst pipes to fire and weather disasters. It also covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing. Monthly policies are really affordable, and can save you thousands in the case of an accident or disaster in your living space.


In addition, in some cases if you are forced out of your home because of a disaster, your living expenses may be covered.  Some renters insurance policies pay the reasonable extra cost of temporarily living away from your home if you can't live in it due to a fire, severe storm or other insured disaster. These costs could include:

  • hotel bills,

  • temporary rentals,

  • restaurant meals,

  • and other living expenses incurred while your home is being rebuilt.


Please note that coverage for additional living expenses differs from company to company - if this is something you’re interested in, let’s talk about it.

4 Tips for Filing a Renters Insurance Claim Before the claim occurs.


1: Create an inventory and update it as you add personal property.

2: Take photos or a video walkthrough of your items.

3: Back up those photos or videos to the cloud, or store a copy in a safe place away from your home.

4: Be sure to record model numbers, dates and places of purchase.

What’s next?

PLR offers a range of plans for renters insurance, depending on your needs. We can help you assess the cost of everything you would want to replace if it were damaged or stolen, and determine what plan works best for you.


Ready to begin the process? Get a free quote.


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