Back to Personal Policies
Apartments to Dorms, We’ve Got Renters Covered
Your landlord’s policy won’t protect your belongings—or your liability. Renter’s insurance safeguards your personal property and helps cover unexpected costs if the unexpected happens. Advisors will guide you to the right policy so you can live with confidence in any rental.
Affordable Coverage for Every Stage of Life
Whether you’re renting your first apartment, sending kids off to college, or living in a large shared rental home, renter’s insurance provides peace of mind. From theft to liability claims, we’ll make sure you have the right coverage so small risks don’t become big financial setbacks.
Personal Property
Protects your belongings—clothing, furniture, electronics, and more—against risks like theft, fire, or water damage.
Liability Protection
Covers you if someone is injured in your rental, shielding you from costly medical bills or legal expenses.
Loss of Use
Helps pay for hotel stays or temporary housing if your rental is damaged and you need to relocate.
Family & Student Coverage
Extends protection for kids in college dorms or family members living in rental properties, ensuring everyone’s needs are covered.
Mandatory Coverages
The essential protections every renter needs for financial security.
Coverage for your possessions inside the rental unit—furniture, electronics, and everyday essentials—so you don’t face replacement costs alone.
Shields you if someone is injured in your rental or you’re held responsible for accidental damage.
Provides funds for temporary housing and related costs if your rental becomes uninhabitable due to a covered event.
Optional Coverages
Customizable options to strengthen your protection.
Extra coverage for valuables like jewelry, art, or instruments that may exceed standard policy limits.
Helps cover expenses if your identity is stolen, protecting both finances and peace of mind.
You’ve got questions, we’ve got answers. For any additional questions you may have beyond these, schedule a chat with our team.
Yes. Most dorms don’t protect personal property. Renter’s insurance can cover belongings and provide liability protection while students are away at school.
It depends on the value of your belongings. Don’t underestimate—tally furniture, electronics, clothing, and essentials to ensure your coverage reflects true replacement cost.
Not at all. Most policies are very affordable, often costing less than a night out each month.
No. A landlord’s policy only protects the building itself. You need renter’s insurance to protect your personal belongings and liability.
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Meet Alan Lachica
Alan embraces our team approach in providing customized, high-quality protection options for our clients.
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