Your Peace of Mind Starts Here
At Truliant, we understand that renting a home doesn’t mean you don’t have valuable possessions to protect. With our renter’s insurance, you can enjoy competitive rates and exceptional service tailored specifically for renters like you.
Combine Your Policies and Save
Why settle for just one? Bundle your insurance policies for extra savings and convenience!
Get Your Free Renters Quote
Need a quick estimate? Get a free quote for home, auto, renters, or condo insurance online today.
Explore Your Coverage Options
Our team is dedicated to helping you find the perfect coverage that fits your needs. Whether you’re looking for standard protection for your valuables or seeking minimum coverage to comply with your landlord’s requirements, we’ve got you covered.
Why Choose Truliant?
- Plans explicitly designed for renters
- Options from A-rated providers
- Personalized, local customer service
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Personal Property
Risk Factor
Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.
Solution
Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.
Limits and Exclusions
Risk Factor
Some types of personal property are subject to limits of coverage under renters insurance policies. These limits vary by the type of property and by what caused the loss or damage. For example, jewelry, bicycles, collectible cards, and coins may have limited coverage or may not be covered.
Solution
Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.
Additional Living Expense
Risk Factor
If the building you live in has a loss from a covered peril under your renters insurance policy that makes your apartment or home uninhabitable, you will need to find somewhere else to live while the repairs are undertaken. This can be expensive and inconvenient.
Solution
Be sure your insurance policy includes additional living expense coverage. If you need to move out and rent another location, this coverage provides for the increase in living expenses–such as moving costs, increased food costs, and other expenses.
Liability
Risk Factor
You are responsible if you or a guest in your unit trips and falls or sustains an injury while on your property.
Solution
Be sure that you have adequate liability insurance to protect for claims made against you for bodily injury or property damage – such as a slip and fall or other allegation. Liability coverage also provides protection should you become legally liable for unintentional bodily injury or property damage anywhere in the world.
Medical Expenses
Risk Factor
You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.
Solution
Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.
Landlord
Risk Factor
You may not be able to rent the apartment or home if your landlord or property manager requires renters insurance and you do not have it.
Solution
Having a renters insurance policy allows you to provide a certificate of insurance to the landlord or property manager showing that you have the coverage required to rent the apartment or home.
Improvements or Betterments
Risk Factor
Any improvements or betterments that you have made to your unit are subject to damage.
Solution
Be sure to obtain coverage for improvements or betterments that you have installed in your apartment or home.
Contents Away from Home
Risk Factor
You may take your valuable property outside of your unit. For example, what happens if your laptop or golf clubs get damaged or stolen while traveling?
Solution
Be sure to add off premises theft coverage to your policy to cover your personal property while your belongings are away from your home. Auto insurance does not usually cover personal property stolen from your car.
Premises Liability
Risk Factor
You may be responsible for damage to your apartment or dwelling should you, for example, have a leaking sink or accidentally start a fire.
Solution
Be sure your policy has liability coverage that includes tenants legal liability or premises liability. Your landlord may require that you to have this type of insurance protection in place as a requirement before renting the property to you.
Protect your property and avoid liability.
As a renter, your landlord’s insurance only protects the building, leaving your belongings vulnerable. Our renter’s insurance ensures that furniture, electronics, jewelry, and heirlooms are safeguarded as you build your future.
Comprehensive Liability Protection
Accidents happen. You could be liable for their medical expenses if a guest gets injured in your rental. Our renter’s insurance protects your property and includes liability coverage to shield you from unexpected fees. Plus, with loss-of-use coverage, you won’t have to worry about the cost of temporary housing if your apartment becomes unlivable.
Take Action Today!
Don’t wait another day without the protection you deserve. Contact us to connect with our insurance experts and find a plan that fits your lifestyle and budget. Call us at or email us at , or fill out the form below for your renter’s insurance quotes. Just because you rent doesn’t mean you don’t have valuable assets to protect!
Renters Insurance Quote Request
Fill out this quick form for a free renters insurance quote from Truliant. We’ll review your information and reach out to discuss options that meet your coverage needs.
Request a Quote
Discover Your Coverage
Whether investing in the latest tech gadget or protecting your rental property, our renter’s insurance covers you.
Learn More: The Essentials of Renters Insurance
We encourage you to visit our interactive graphic learning page. Select “Renters” from the menu, and explore the various risks your rental may face and the insurance solutions we provide at Truliant.
Find out if you’ve got the coverage you need for your rented home!
Whether you’re looking to protect your investment in a new home computer system or you’re concerned about accidentally damaging your rental property, your renters insurance can cover a wide variety of needs.
To ensure you’re getting as much coverage as you need to protect your interests, investments and financial future, its important to know all the different areas that you can protect and insure with a renters policy.
To learn about all that Truliant Insurance has to offer for renters, we invite you to explore our interactive graphic learning page. Select “Renters” from the top menu, they click on the graphic to discover the risk factors facing your rented home, as well as the insurance solutions available from Truliant.
Learn More About Insurance Coverage
Renters Insurance FAQs
Have questions? We’ve got answers! Check out our FAQ section to learn more about renter’s insurance and how it can protect you. If you still have inquiries, don’t hesitate to contact us—we’re here to help!
What is Renters Insurance and How Can it Benefit You?
Renters insurance offers invaluable peace of mind for individuals renting a home or apartment. It encompasses three essential components:
- Coverage for personal belongings
- Liability protection
- Coverage for loss of use
Together, these elements provide comprehensive support explicitly tailored for renters, bridging the gaps that standard landlord insurance does not address.
What Can You Expect from Renters Insurance Coverage?
At its core, renters’ insurance is designed to safeguard your personal property. While your landlord’s insurance typically covers the building structure itself, it does not extend protection to your valuables and possessions. This is where renters’ insurance shines, offering a cost-effective means of securing your belongings. With fantastic rates from Truliant’s trusted provider partners, you can ensure that your items are protected without breaking the bank. The amount of coverage you choose should reflect the total value of your possessions, ensuring they can be replaced if needed.
What Events Are Typically Covered by Renters Insurance?
You should be aware of the events that your renter’s insurance may cover. Commonly included incidents are theft, fire, smoke damage, burst pipes, wind-related damages, vandalism, lightning strikes, and water backups. However, it’s essential to note that certain disasters, such as earthquakes and floods, typically require separate coverage. If you have specific events in mind or additional concerns, we encourage you to reach out to your Truliant Insurance agent. We are here to assist you in finding the right coverage tailored to your unique circumstances.
Are There Any Limits to Renters Insurance Coverage?
While renters’ insurance offers significant protection, certain areas typically fall outside its scope. For instance, if your vehicle is stolen or damaged while parked at the rental property, that situation isn’t usually covered under renters’ insurance. Additionally, floods and earthquakes necessitate separate policies to ensure complete coverage. If you share your living space with roommates who are not listed on the policy, their personal belongings won’t be covered.
How Does Liability Coverage Enhance Your Protection?
Liability insurance is a crucial component of renters insurance, safeguarding you against potential lawsuits from property damage or injury within your residence. It’s wise to consider no-fault medical coverage, which can cover medical expenses for someone who sustains an injury while visiting you. Understanding your coverage limits is essential—review the details of your renter’s insurance, as there are often overall payout limits and caps on individual claims, too.
Are Additional Living Expenses Covered?
Absolutely! If your rental property becomes uninhabitable due to a covered incident, renters’ insurance can provide financial support for additional living expenses. This crucial safety net allows you to recover without the burden of out-of-pocket costs for temporary accommodations, meal expenses, and other necessary costs during your transition. From hotel stays to alternative housing arrangements, this coverage is designed to help you get back on your feet in an unexpected situation.
Let’s Get Started
Renters Insurance Quote Request
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