Renters Insurance
Protect what's yours, even when you rent
Your landlord's policy doesn't cover your stuff
Your landlord's insurance protects the building — not your furniture, electronics, clothing, or the liability you carry if a guest is hurt in your home. A renters policy protects what's yours, usually for less than most people expect.
Our team helps you choose the right limits for your belongings and can pair renters coverage with your auto policy to keep everything simple.
Coverage that moves with you
From a kitchen fire to a break-in, a renters policy helps you replace what you lose — and steps in if someone is injured in your home.
- Personal Property
- Liability Protection
- Additional Living Expenses
- Theft & Vandalism
- Guest Medical Payments
FAQ
Frequently Asked Questions
Doesn't my landlord's insurance cover me?
No. Your landlord's policy covers the building itself, not your belongings or your personal liability. If a fire, storm, or theft takes out everything in your apartment, only a renters policy replaces it.
What does renters insurance actually cover?
Three main things: your personal property (furniture, electronics, clothing), your liability if someone is injured in your home or you accidentally damage someone else's property, and additional living expenses if a covered loss makes your rental unlivable while it's repaired.
How much coverage do I need?
Walk through your home and add up what it would cost to replace everything at today's prices — most people are surprised how quickly it adds up. Our team will help you set property and liability limits that match what you actually own.
Does renters insurance cover my roommate?
Generally no. A renters policy covers the people named on it. Unrelated roommates usually each need their own policy — it keeps claims cleaner and coverage clearer for everyone.
Get a Free Quote
Tell us about you — we'll take it from there.
Trusted by renters across Schertz and San Antonio