Renters Insurance

Protect What's Yours, Even When You Rent

Many renters mistakenly believe their landlord's insurance policy covers their personal belongings. Unfortunately, that's not the case. Your landlord's insurance typically only covers the building structure itself, not your furniture, electronics, clothing, or other possessions.

Renters insurance from LeClercq Insurance Services provides essential and affordable coverage to protect your property and finances from unexpected events.

What Does Renters Insurance Cover?

Renters insurance policies generally include three main types of coverage:

• Personal Property Coverage: This is the core of renters insurance. It helps pay to replace or repair your belongings (up to your policy limits) if they are damaged or destroyed by covered perils like fire, smoke, windstorm, theft, vandalism, and certain types of water damage.
• Personal Liability Coverage: Helps protect you financially if you are found legally responsible for an injury to a guest in your rental unit, or for accidentally damaging someone else's property. It typically helps cover associated legal defense costs and judgments, up to your policy limit..
• Loss of Use (Additional Living Expenses): If your rental becomes uninhabitable due to a covered loss (like a fire), this coverage helps pay for temporary living expenses, such as hotel bills, restaurant meals, and other costs incurred while you're displaced.

Why is Renters Insurance Important?

• Affordability: Renters insurance is typically very inexpensive, often costing just a few dollars a month.
• Peace of Mind: Knowing your belongings are protected against common risks provides comfort.
• Liability Protection: Accidents happen. If you're found responsible for injury or property damage, this coverage can help pay for covered costs and legal fees, up to your policy limit.
• May Be Required: Some landlords require tenants to carry renters insurance as a condition of the lease.

Choosing the Right Renters Policy

We'll help you determine the appropriate amount of personal property coverage based on the value of your belongings. We'll also discuss liability limits and deductible options to create a policy that fits your budget while providing essential protection. LeClercq Insurance Services works with multiple carriers to find you the best renters insurance rates available.