---
title: Renters Insurance in Massachusetts | Berry Insurance
description: Berry Insurance offers renters insurance to protect your home and belongings from disasters or incidents. Using a blend of consultation and personalization, we’ll customize the right Massachusetts renters insurance policy for you at the right price.
image: https://www.berryinsurance.com/hubfs/Berry-Insurance-Renters.jpg
---

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 invest in your happy place

# Protect your space, belongings – and your peace of mind – with renters insurance

### Whether you rent a small studio or an entire house, safeguard your most valued treasures and more (where your landlord’s policy leaves off)

[Get a Quote](https://www.berryinsurance.com/insurance-quote-massachusetts?hsLang=en)

![Renters-Insurance](https://www.berryinsurance.com/hs-fs/hubfs/Renters-Insurance.png?width=1000&height=700&name=Renters-Insurance.png)

![Renters-Insurance](https://www.berryinsurance.com/hs-fs/hubfs/Renters-Insurance.png?width=1000&height=700&name=Renters-Insurance.png)

![pattern](https://www.berryinsurance.com/hs-fs/hubfs/pattern.png?width=675&height=694&name=pattern.png)

## How does Massachusetts renters insurance work?

While you may not own your living space, we know how important it is to you -- after all, it’s the place you go to unwind or spend time with loved ones. We also know it holds all those important things you *do *own.

While your landlord’s policy covers the building itself, a renters insurance policy pays for the repair or replacement of all your possessions if they were to be damaged or lost to unforeseen incidents such as fires, storms, thefts, tree falls, and more.  It also covers you financially in the case of a liability or lawsuit.

Each rental is so different, with unique possessions, materials and risks, so you need a unique policy to fit all your needs -- not just a bare bones policy that online quoting service is spitting out for your neighbors.

[Get a Quote](https://www.berryinsurance.com/insurance-quote-massachusetts?hsLang=en)

![](https://play.vidyard.com/VJzXqXpNRkM6KhqgC4LHTY.jpg)

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## Check out these renters insurance statistics

While you may think your landlord’s policy has you covered, all renters need to buy their own policies to protect their possessions.

$0

 Average cost of a renters insurance premium in MA

0%

 Percentage of renters risking an expensive claim by not having renters insurance

0%

 Percentage you can save by bundling your renters and auto insurance

![pattern](https://www.berryinsurance.com/hs-fs/hubfs/pattern.png?width=675&height=694&name=pattern.png)

## What does Massachusetts renters insurance cover?

While you may assume renters insurance covers everything in your apartment and more, this may not be the case. MA renters insurance has limitations, exclusions, and optional coverages you’ll want to know about.

#### What is typically covered?

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Your personal property

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Loss of use (temporary housing if displaced)

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Medical payments to those injured on your property

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Personal liability (if someone sues you from being injured on your property)

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Personal injury (libel, slander, or defamation lawsuits)

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Storm damage

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Water backup

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Theft

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Fire damage

#### What is not typically covered?

![grey--xbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/grey--xbox.png?width=23&height=22&name=grey--xbox.png)

 Floods (hint: you may need flood insurance)

![grey--xbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/grey--xbox.png?width=23&height=22&name=grey--xbox.png)

 Earthquakes (optional)

![grey--xbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/grey--xbox.png?width=23&height=22&name=grey--xbox.png)

 High-risk dog breeds

![grey--xbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/grey--xbox.png?width=23&height=22&name=grey--xbox.png)

 Wear and tear

![grey--xbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/grey--xbox.png?width=23&height=22&name=grey--xbox.png)

 Damage from lack of maintenance

![grey--xbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/grey--xbox.png?width=23&height=22&name=grey--xbox.png)

 Intentional bodily injury or property damage

![grey--xbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/grey--xbox.png?width=23&height=22&name=grey--xbox.png)

 Any damages beyond your coverage limits (hint: you might need umbrella insurance)

![grey--xbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/grey--xbox.png?width=23&height=22&name=grey--xbox.png)

 Anything covered under your landlord’s policy

![Berry-Insurance-Apartment-Outside](https://www.berryinsurance.com/hs-fs/hubfs/Berry-Insurance-Apartment-Outside.jpg?width=805&height=1280&name=Berry-Insurance-Apartment-Outside.jpg)

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## Got renters insurance questions? We’ve got answers.

We know there’s a lot at stake when it comes to protecting your place and your stuff. You probably have loads of questions, so let’s get you started on the basics.

### Do I need renters insurance?

In some cases, your landlord or apartment complex may require you to have renters insurance, but often it is not required. However, we always recommend it for property and liability protection.

Without renters insurance, you could lose a significant amount of your possessions through theft or a disaster. You could also be uncovered in a lawsuit if someone were to get hurt in your apartment, or even if someone accused you of libel, slander, or defamation.

### How much renters insurance do I need?

The answer to this one is pretty simple. If you want full coverage, you should make sure your policy covers the cost of all your possessions.

To figure this number out, you don’t need to work too hard. Just roughly estimate the value of your possessions, overestimating to ensure full replacement coverage.

For items with any limitations, such as jewelry, you will need to purchase extra coverage to cover the value of all your items.

For a more accurate estimate, reach out to your insurance agent.

### How much does renters insurance cost?

Renters insurance costs can vary depending on building factors (such as age, materials, etc.) as well as the coverage amount you decide to purchase based on the value of the possessions you own.

Somebody with valuable jewelry, art, etc. will pay much more for renters insurance than someone with minimal valuable possessions.

The average cost of a renters insurance policy in MA is $194 (approximately $16 a month), but as we said, it can vary.

### What happens if I need to file a claim?

If you’ve had an incident requiring a renters insurance claim, don’t panic. Your insurance agent can help you navigate through it easily.

Once you’ve made sure you and your family are safe, you’ll want to gather information about the claim including what happened, when it happened, what was damaged, if anybody else was involved, and photos of the damage. 

Once you’ve collected that information, inform your insurance agent who will report it to your insurance company and get an adjuster assigned to review your claim information and make a determination. 

![pattern](https://www.berryinsurance.com/hs-fs/hubfs/pattern.png?width=675&height=694&name=pattern.png)

## How renters insurance provides peace of mind

Renters insurance is one of those things we wish we didn’t have to buy, and definitely hope we don’t need to use. But if something were to happen to your home, you want to be covered.

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Reimbursement from disasters

Your furniture, electronics, clothes, prized possessions, and all the essential parts to your home are covered from damage or theft. You can even schedule important items to make sure they are completely covered and not subjected to limits.

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### No over/under paying

Your “stuff” isn’t the same as everybody else’s. Your coverage should protect all the things you love and none of things you don’t.

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Protection against unexpected lawsuits

You can’t always control what happens on your property, so you certainly don’t want to be responsible for it. Renters insurance covers injuries to others, and even claims of libel, slander or defamation.

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Guaranteed housing

If something does happen to your apartment, you never have to worry about being out on the street. Rental insurance will set you up with temporary housing while yours is being repaired.

![pattern](https://www.berryinsurance.com/hs-fs/hubfs/pattern.png?width=675&height=694&name=pattern.png)

## Simplifying renters insurance … one blog at a time

### Find the answers to all your insurance questions through the helpful resources in our free online Learning Center.

[![Berry_Insurance_Renters](https://www.berryinsurance.com/hs-fs/hubfs/Berry_Insurance_Renters.jpg?width=1400&height=800&name=Berry_Insurance_Renters.jpg)

### What is Renters Insurance?

Do you rent an apartment? Did you know that without renters insurance, your possessions aren’t protected and you aren’t covered against lawsuits?

Read More 

](https://www.berryinsurance.com/blog/renters-insurance?hsLang=en)

[![How Much Does Renters Insurance Cost in MA](https://www.berryinsurance.com/hs-fs/hubfs/How%20Much%20Does%20Renters%20Insurance%20Cost%20in%20MA.png?width=900&height=300&name=How%20Much%20Does%20Renters%20Insurance%20Cost%20in%20MA.png)

### How Much Does Renters Insurance Cost in MA?

The cost of MA renters insurance can vary based on several factors. We’ll go over what influences cost and what you can expect to pay in this article.

Find Out 

](https://www.berryinsurance.com/blog/renters-insurance-cost-ma-video?hsLang=en)

[![How Insure Property in Storage a Temporary Location with Renters Insurance](https://www.berryinsurance.com/hs-fs/hubfs/How%20Insure%20Property%20in%20Storage%20a%20Temporary%20Location%20with%20Renters%20Insurance.png?width=900&height=300&name=How%20Insure%20Property%20in%20Storage%20a%20Temporary%20Location%20with%20Renters%20Insurance.png)

### How to Insure Property in Storage/ a Temporary Location with Renters Insurance

You know your renters insurance covers all of the stuff in your apartment, but have you ever wondered if it covers your stuff not inside your apartment? Check out this article to learn about some different scenarios.

Find Out How 

](https://www.berryinsurance.com/blog/property-storage-renters-insurance-video?hsLang=en)

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 Get in touch

## Pick up where your landlord’s policy leaves off with renters insurance

When something happens to your apartment, you want thorough coverage to know you can get it fixed quickly and easily. Simply fill out this form and a member of our personal insurance team will be in touch!

[Get a Quote](https://www.berryinsurance.com/insurance-quote-massachusetts?hsLang=en)

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