Renters Insurance

Renting has its advantages—no property taxes, no lawn care, no shoveling in winter. But what happens if you come home to find all your possessions damaged by fire or stolen? Your landlord's insurance doesn't cover your belongings or your liability. You need protection designed specifically for renters.

For over 25 years, Gerety Insurance has helped renters find the right coverage with personalized service from a local team that truly cares.

Almost two-thirds of the 81 million people who rent are uninsured. Without proper coverage, one incident could cost you thousands in replacement expenses and liability.

Your policy protects:

• Your personal belongings, including electronics, appliances, sports gear, cameras, clothing, furniture, and books. Special items like jewelry, firearms, and watercraft can be covered with extended protection.
• Liability if someone is injured in your rental or if you damage someone else's property, whether the accident happens in your home or elsewhere. If you're sued and the judgment goes against you, your policy covers you up to the policy limits.
• Additional living expenses and temporary housing if your rental becomes uninhabitable due to a covered loss like fire or water damage.

Check your lease: Some landlords require renters' insurance as part of your rental agreement.

Understand replacement costs: We'll help you assess what it would cost to replace your electronics, furniture, clothing, and other belongings—the total often surprises people.

Protect yourself from liability: Without coverage, you're personally responsible for injuries or property damage that occur in your rental—even if it's an accident.

We'll walk you through your options and ensure you have the right protection for your situation.