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If you live in a rented apartment, condominium or home, you need to protect yourself, your space and your stuff. Some managed communities even require that you have a certain amount of renters coverage as part of your lease agreement.

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The clear advantage

CLEAR Insurance provides a single point of contact for clear, understandable and unbiased recommendations for all your insurance needs. Whether in the area of commercial coverages for a business or in personal coverage, the CLEAR Insurance team is here to help you protect what matters most.

Why you need renters insurance?

If your personal property is stolen or damaged in a fire, your landlord typically won't cover anything. Renters insurance will:

  • Protect your property
  • Protect yourself and others
  • Ensure you have somewhere to live

Who is renters insurance right for?

If you rent your home and wish to protect your belongings, renters insurance is right for you. In some cases, landlords or management companies may even require proof of renters insurance before you sign your lease.

"My stuff isn't worth insuring."

Keep in mind the difference between replacement cost and actual cash value. Some policies can include replacement cost, which means you will get cash for what it will actually cost you to replace your belongings. However, some policies use "Actual Cash Value" to determine the worth of your things. Ask an agent about policies that work best to insure your personal belongings.

My landlord is insured, do I need renters insurance still?

Your landlord may be insured, but that doesn’t necessarily mean you’re protected in the event of an accident.

Landlord insurance covers the investment of the landlord, their property. This includes:

  • Property damage due to weather
  • Building code reimbursement coverage
  • Vandalism to the exterior of your home
  • Water damage in the event of a pipe burst

If your personal property is stolen or damaged in a fire, your landlord typically won't cover anything.

What does renters insurance cover?
  • Personal property
  • Personal liability
  • Medical and liability
  • Loss of use

Renters insurance provides coverage for your belongings from damages such as fire and smoke, vandalism, theft, and some weather-related incidents too. It also protects you financially if a visitor to your home gets injured and takes legal action.

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Above all, we are independent from any insurance company and we work for you, in getting the best products, at the best price and service you will come to expect and can’t do without.

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