Protect Your Belongings and Your Future
Get comprehensive renters insurance that protects your personal property, covers liability risks, and provides peace of mind. Affordable rental insurance for apartments, condos, and houses throughout New Jersey.
Renters insurance provides four main types of coverage to protect you financially. Understanding each component helps you choose the right rental insurance policy.
Protects your belongings from theft, fire, vandalism, and other covered perils
$15,000 - $100,000+
Covers you if someone is injured in your rental or you damage others' property
$100,000 - $500,000
Pays for temporary housing if your rental becomes uninhabitable
20-30% of personal property
Covers medical expenses for guests injured in your rental
$1,000 - $5,000
Many renters mistakenly believe they don\'t need insurance. Here\'s why renters insurance is essential protection you can\'t afford to skip.
Landlord policies only cover the building structure, not your personal belongings or liability
The average renter has $20,000-$30,000 worth of personal property
You're responsible for injuries to guests or damage you cause to others
Renters insurance typically costs less than a monthly streaming subscription
Renters insurance protects against numerous risks that could damage or destroy your belongings
Damage from fires, including smoke damage
Loss from burglary or malicious damage
Burst pipes and accidental water discharge
Wind, hail, and lightning damage
Understanding what affects your rental insurance premium helps you get the best value
Higher personal property limits increase premiums
Urban areas and high-crime zones cost more
Higher deductibles lower your premium
Better credit often means lower rates
$15-30/month
Average cost in New Jersey
Don\'t wait until it\'s too late. Get affordable renters insurance that protects everything you\'ve worked hard for.
Get answers to common questions about rental insurance coverage
Renters insurance covers your personal property against theft, fire, vandalism, and other perils. It also provides liability protection if someone is injured in your rental or you damage others' property. Additional living expenses are covered if your rental becomes uninhabitable due to a covered loss.
Most renters need $20,000-$30,000 in personal property coverage and at least $100,000 in liability protection. To determine your needs, inventory your belongings and consider their replacement cost. Higher-value items may require additional coverage through riders or endorsements.
While New Jersey doesn't legally require renters insurance, many landlords require it as a condition of the lease. Even when not required, renters insurance is highly recommended to protect your belongings and shield you from liability claims.
Renters insurance in New Jersey typically costs $15-30 per month, or $180-360 annually. Your exact cost depends on coverage limits, location, deductible, and available discounts. Most renters find it very affordable compared to the protection it provides.
Standard renters insurance policies typically only cover the named insured and their relatives. Roommates usually need their own separate policies. Some insurers offer options to add roommates, but individual policies often provide better protection.
Replacement cost coverage pays to replace your items with new ones of similar quality. Actual cash value coverage pays the depreciated value of your items. While replacement cost coverage costs slightly more, it provides much better protection for your belongings.
Standard policies have limits on high-value items like jewelry, art, and electronics. Floods and earthquakes typically require separate coverage. Business property may need additional protection. We can help you understand coverage limits and add riders for valuable items.
To file a claim, document the damage or loss with photos and receipts, contact your insurance company immediately, complete the claim forms, and work with the adjuster. Keep all documentation and communication records. We help guide you through the entire claims process.