Personal Insurance / Renters
Renters Insurance
Your landlord's policy covers the building. It does not cover one item of yours. Renters insurance is the cheapest policy most people will ever buy and the one most often skipped, usually because the total value of what is in the apartment gets badly underestimated until someone actually adds it up.
What It Covers
The parts of the policy, in plain terms.
Personal property
Furniture, clothing, electronics, tools, the bike in the hallway. Coverage follows your things off the property too, so a laptop stolen from a car is generally in scope.
Personal liability
Covers you if a guest is injured in your apartment, or if you cause damage to the building or a neighboring unit.
Loss of use
Pays for somewhere to stay if a covered loss makes the apartment unlivable, which is not a cost most renters have set aside.
Medical payments
A small no-fault limit for a guest hurt at your place. It settles minor incidents before anyone starts talking about liability.
How it plays out
A kitchen fire two doors down puts your building out of service for six weeks. Nothing of yours burned, but everything smells of smoke and you cannot live there. Loss of use covers the temporary housing and the policy covers the cleaning or replacement.
Frequently Asked Questions
Renters Insurance questions we get.
How much does renters insurance cost?
How much personal property coverage should I carry?
Does it cover my roommate?
What Clients Say
Trusted by your neighbors.
Dave is an amazing agent, and Kim is great too. They both worked very hard to get me the best rates. I felt they had my best interest at heart, not just what was good for them.
I just finished buying a house. My previous agent couldn’t find coverage for it. My realtor told me that “Dave always has an answer for her problems.” She couldn’t have been more right.
I highly recommend David Bartal. David took the time to listen to my circumstances and worked efficiently to get me quotes quickly. Within minutes, I had both my vehicles insured at a price I could actually afford. A very happy and satisfied customer.
Also worth a look
Other coverage we write.
Auto Insurance
Coverage shopped across multiple carriers, with real limits explained in plain terms.
Home Insurance
Coverage for the structure, your belongings, and the liability that comes with owning a house.
Condo Insurance
Fills the gap between the association's master policy and everything inside your unit.
Flood Insurance
Separate coverage for rising water, which no home or renters policy includes.
Motorcycle Insurance
Cruisers, sport bikes, touring and off-road, with custom parts actually accounted for.
Boat & Watercraft
The boat, the motor and the trailer, on the water and on the road.
Let's get you a real number.
Tell us what you're insuring and David will shop it across our carriers. No obligation, and no pressure if your current policy turns out to be the better deal.
Independent agency / 10 carriers on file