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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)

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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.

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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.

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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?

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Your personal property

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Loss of use (temporary housing if displaced)

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Medical payments to those injured on your property

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

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Personal injury (libel, slander, or defamation lawsuits)

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Storm damage

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Water backup

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Theft

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Fire damage

What is not typically covered?

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Floods (hint: you may need flood insurance)

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Earthquakes (optional)

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High-risk dog breeds

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Wear and tear

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Damage from lack of maintenance

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Intentional bodily injury or property damage

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

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Anything covered under your landlord’s policy

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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?

How much renters insurance do I need?

How much does renters insurance cost?

What happens if I need to file a claim?

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.

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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.

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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.

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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.

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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.

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“Didn't just blindly sell me policies...took the time to understand my situation and concerns and helped figure out my insurance needs.”

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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!

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