Moreno Insurance Agency

What it covers

Key Renters Insurance Coverages

Even if you don't own your home, you still have valuable possessions that are vulnerable to theft, fire, and other disasters.

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  • Personal Property Coverage

    This protects your belongings from covered events like theft, fire, and vandalism. It covers everything from your furniture and clothing to your electronics and appliances.

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  • Personal Liability Coverage

    This provides financial protection if you are found responsible for causing bodily injury to someone or damaging their property. For example, if a guest is injured while in your rental home or if you accidentally cause a fire in your building, this coverage can help with legal fees and medical expenses.

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  • Loss of Use

    If your rental becomes uninhabitable due to a covered event, this coverage can help pay for temporary housing and other living expenses while your home is being repaired.

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Why it matters

Why Renters Insurance Is Essential

Even if you don't own your home, you still have valuable possessions that are vulnerable to theft, fire, and other disasters. Without renters insurance, you would have to pay to replace all of your belongings out-of-pocket if they were ever lost or damaged. A renters policy provides a financial safety net, protecting your clothes, furniture, electronics, and other valuables.

Your landlord’s insurance policy covers the building itself, but it doesn’t cover your personal belongings inside.

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Answers

Renters insurance questions

Answers to the questions our office is asked most. If yours is not here, call and ask us.

As a tenant, your landlord’s insurance policy covers the building itself, but it doesn’t cover your personal belongings inside.

Without renters insurance, you would have to pay to replace all of your belongings out-of-pocket if they were ever lost or damaged.

If your rental becomes uninhabitable due to a covered event, loss of use coverage can help pay for temporary housing and other living expenses while your home is being repaired.

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Four things, and we do the rest

Your name, a number that reaches you, an email for the paperwork, and the language you would rather we spoke. That is the whole form.

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Next step

One phone call is usually the whole job

Tell us what you want covered. If your current policy is already the right one, we will tell you that too.