Personal Property
Protects your belongings—like furniture, electronics, and clothing—from covered losses such as fire, theft, or vandalism, even when you're away from home.
ESSENTIAL COVERAGE FOR YOUR LIFESTYLE
Liability Protection
Covers legal costs and damages if someone is injured in your home or if you accidentally damage someone else’s property, providing a crucial safety net.
Living Expenses
If a covered loss makes your rental uninhabitable, this coverage helps pay for additional costs like hotel bills and meals while your home is being repaired.
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Protect your home and belongings with coverage tailored for local renters. Start your application below and a Polaris agent will contact you shortly.
Common Questions About Renters Coverage
What does a standard renters policy actually cover?
A typical renters policy covers your personal belongings against risks like fire, theft, and vandalism. It also includes liability protection if someone is injured in your home and additional living expenses if your rental becomes uninhabitable due to a covered loss.
Does it cover my roommate's belongings too?
Generally, no. Renters insurance typically only covers the individuals listed on the policy. Roommates should usually have their own separate policies to ensure their personal property and liability are fully protected.
How much renters insurance do I really need?
The amount of coverage you need depends on the total value of your personal items. We recommend creating an inventory of your belongings to estimate their replacement cost. Most policies also offer a minimum of $100,000 in liability coverage, which can be increased based on your needs.
Is renters insurance expensive?
Renters insurance is one of the most affordable types of coverage. In many cases, it costs less than a monthly streaming subscription. We can help you find a policy that fits your budget while providing the professional protection you deserve.