Renters Insurance
Make Things Better After A Mishap
Your apartment's landlord has insurance, but it likely only covers the building itself. This means your personal belongings and liability for accidents are not protected. If a break-in happens and your belongings are stolen, renters insurance can assist you. It can also help if a fire or severe weather damages your possessions. This insurance helps you recover the value of what you have lost. Furthermore, if an individual sustains an injury while in your home, renters insurance can offer protection. This coverage is particularly valuable in the event of a liability lawsuit.
Affordable Protection for Renters in NY, NJ, PA, CT & MA
Renters insurance protects more than just your belongings—it protects your lifestyle. Regardless of whether you rent an apartment, condo, or house, your landlord's insurance does not cover your personal belongings. It also does not protect you from liability. That’s where Blue Rock Insurance Services comes in.
We provide tailored renters insurance policies designed to fit your budget and protect what matters most. From stolen laptops to unexpected fire damage, we’ve got you covered.
What Does Renters Insurance Cover?
A renters insurance policy typically covers:
Fire and smoke damage
Theft and burglary
Water damage (from burst pipes, not floods)
Vandalism
Liability claims for injuries or property damage
Temporary housing costs if you’re displaced
Optional add-ons may include flood insurance, earthquake coverage, or higher limits for jewelry, art, or other valuables.
Did You Know?
In many cases, a landlord's insurance only covers structural damage to the building. Additionally, many landlord policies do not cover damage caused by the tenant
To lower rates, you can increase the deductible. For more protection, you can opt for replacement cost coverage. This means reimbursement is based on today’s replacement cost instead of the original value
Renters insurance extends beyond on-premise theft and hazards. If your suitcase is stolen while you’re on vacation, you’ll likely be covered. Same with property stolen from your car. If you’re prone to barroom brawls, you’ll be covered if you hurt someone. You’ll also likely be covered if someone slips and sprains their ankle at your residence
You might be surprised at how quickly all those laptops, tablets, and kitchen appliances add up. Most people own more than $20,000 worth of property
Renters Insurance vs. Homeowners Insurance
Both renters insurance and homeowners insurance provide important protections, but they’re designed for different living situations. Here’s how they compare:
| Coverage Feature | Renters Insurance | Homeowners Insurance |
|---|---|---|
| Dwelling / Building | Not covered (landlord’s responsibility) | Covered — includes the home structure such as roof, walls, and foundation |
| Personal Property | Covers belongings like furniture, electronics, and clothing inside the rental unit | Covers belongings inside the home and, in many cases, outside as well |
| Liability Protection | Covers accidents or damages you’re responsible for inside or outside the rental | Covers accidents or damages you’re responsible for inside or outside the home |
| Additional Living Expenses | Pays for temporary housing and meals if the rental is uninhabitable due to a covered loss | Pays for temporary housing and meals if the home is uninhabitable due to a covered loss |
| Cost | More affordable — typically $10–$25 per month (III) | Higher — depends on home value, location, and coverage amount (ValuePenguin) |
Key Takeaway: Renters insurance is an affordable way to protect your belongings and liability if you rent. Homeowners insurance protects both your home’s structure and your belongings, making it essential if you own your property.
How Much Does Renters Insurance Cost?
The cost of renters insurance depends on:
The value of your personal belongings
Your location (NY, NJ, PA, CT, or MA)
Coverage limits and deductibles
Additional coverage options
On average, renters insurance ranges from $10 to $25 per month—a small price for major protection.
Get a Free Renters Insurance Quote Today
Protect your belongings and peace of mind with a personalized renters insurance policy from BlueRock Insurance Services.
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