Your landlord's insurance doesn't cover your stuff. Renters insurance protects your belongings, gives you liability coverage, and costs about as much as a couple of coffees per month.
Renters insurance is simple, affordable, and essential. It protects everything your landlord's policy doesn't.
Covers your belongings — electronics, furniture, clothing, appliances — if damaged, stolen, or destroyed.
Covers legal costs if someone is injured in your apartment or you accidentally damage someone else's property.
Pays for a hotel, meals, and other costs if your apartment becomes uninhabitable after a covered loss.
Covers minor medical bills for guests injured in your home, regardless of fault.
Covers your belongings stolen from your car, at school, while traveling, or anywhere else.
Many policies include identity theft coverage to help recover from fraud.
If you rent your living space — apartment, house, condo, room — you need renters insurance. Period. Most landlords require it.
Most Utah renters pay $15–$30/month ($180–$360/year). That covers your belongings, liability, and additional living expenses.
No. Your landlord's policy covers the building, not your personal belongings. If there's a fire or break-in, your stuff is not covered without renters insurance.
Do a quick inventory of your belongings — electronics, furniture, clothing, kitchen items. Most renters need $20,000–$50,000 in personal property coverage.
Not automatically. Each roommate typically needs their own policy unless you're listed together. Some carriers allow adding a roommate to your policy.
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