Tenant Insurance

You still need insurance even if you rent in order to protect your belongings and liability.
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Tenant’s Insurance Overview

Even if you don’t own your home, your belongings still have value. Moreover, you still run the risk of unintentionally causing damages or harm to someone else. These scenarios will not be covered by your landlord’s insurance, meaning that you will need to purchase a separate policy to have coverage. Enter tenant’s insurance. D.G. Smith can provide free tenant’s insurance quotes that you can compare and choose from and develop a plan that works for you and your family.

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If an insured loss were to cause damages or entirely destroy the contents within your apartment unit or home you rent, your tenant’s insurance may include coverage up to a specified limit. Just think of the value of all your belongings taken together: your appliances, electronics, furniture, and so on. The number might be much higher than you think. Your tenant’s insurance can offer you the peace of mind you deserve.

Personal Liability

Although your landlord likely has liability insurance to protect them, this won’t include you. If you were to unintentionally cause harm or damages to someone else or their property, you could be sued. Liability protection is one of your best lines of defense and lawsuits can be very expensive. Tenant’s insurance includes personal liability for your peace of mind.

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Additional Living Expenses:

Includes compensation for living expenses if you were to be forced to evacuate from your apartment or home while it was being rebuilt or repaired due to a covered loss.

Personal Liability:

Includes protection for any legal expenses or lawsuits if you were to unintentionally cause harm or damages to someone else or their property.


Includes protection against physical damage or the total loss of your belongings and contents in the event of a covered claim up to the stated limit named in your policy.

Common Endorsements

You will want to carry enough tenant’s insurance to cover all your belongings that you own and adequate personal liability. Typically, an average policy may offer a limit of $2,000,000 for personal liability, which can be enough for some individuals or families. However, depending on your circumstances and depending on your lifestyle, you may wish to increase your limits. You can supplement coverage if necessary to include higher limits and other perils normally excluded on a typical policy, such as sewer back-up and identity theft.

Contact your D.G. Smith account manager about any tenant’s insurance endorsements that may be of benefit to you.

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Tenant’s insurance is useful if you cause damages unintentionally to your rental unit, to other units, and for harm that is unintentionally caused to those visiting your property. Tenant’s insurance may also include replacement for your belongings if there is an insured loss and additional living expenses if you need to temporarily evacuate. It can also help protect you in the event of a lawsuit.

Renter’s/tenant’s insurance is not required by law, but it is highly recommended. You may not think you own a lot, but if you were to add up the value of all your belongings taken together, the number could soar into the thousands! Tenant’s insurance can help repair or replace your belongings if they are damaged or destroyed. Your landlord may require you to carry a tenant’s policy as per your rental agreement.

Renter’s insurance and tenant’s insurance are terms that are used interchangeably. Purchasing one over the other will not offer any additional benefits or coverages.

Your landlord’s insurance may offer coverage for damages to common areas and “the big stuff” like physical structure, pipes and systems, etc.

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Getting a quote with D.G. Smith has never been easier! Apply for a quote today online, over the phone, or in-person.

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