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Illustrated tree-lined city street seen between two sides: a tall apartment building with iron balconies and a purple flower box on the left, a row of brownstones with stoops and a parked car on the right, and an open street running between them

Renters insurance

everything you own,
even when you rent.

Your landlord insures the building, not your things or your liability. We find the right policy and stay with you through the claim.

get started

MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

your things, protected.

Leaks from upstairs, stolen laptops, kitchen fires. Tap around the apartment to see what’s covered, and what isn’t.

Illustrated cutaway of an apartment: an overflowing tub upstairs leaking through the ceiling, a desk with a laptop, a sofa with a purple pillow on a rug, a small fire on the kitchen stove, a bedroom and a bike on the wall by the door

covered

The neighbor upstairs floods you

Your sofa, rug and art.

covered

Your laptop gets stolen

At home or away, up to your limit.

covered

A kitchen fire forces you out

Hotel and meals while it’s fixed.

covered

A guest trips on your rug

Their medical bills and your legal costs.

covered

The neighbor upstairs floods you

Your sofa, rug and art.

Examples. Your policy sets the details.

flooded apartment?
make one call.

We file the claim, get an adjuster out and follow up until it’s closed.

  1. 1. Call us

    Tell us what happened and send a few photos.

  2. 2. We file it

    Photos, receipts and a list of what was damaged go to the carrier.

  3. 3. We push it through

    Replacements, the hotel and your payout, followed to the end.

the best price, without the shopping.

Tell us about your place once. We compare the carriers and bring back your options, side by side.

Tribeca apartment

your options

$480a year, $150K belongings

3 options, same coverage

Option A$480

Option B$560

Option C$690

2-bedroomNew York, NY$150K belongingsNo claims
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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Put them on one program and we shop them together at every renewal.

good to know.

Straight answers about renters insurance.

Does my landlord’s insurance cover my belongings?
Usually not. Your landlord’s policy typically covers the building itself, not your furniture, clothes, electronics or art, and not your liability if a guest gets hurt in your apartment. Renters insurance covers those, and many leases require it.
What does renters insurance cover?
Typically three things: your belongings against events like fire, theft and water damage from burst pipes; your liability if someone is hurt or their property is damaged; and extra living costs if a covered loss forces you out. Flood and earthquake usually need separate coverage.
Does renters insurance cover theft away from home?
Often, yes. Many renters policies cover your belongings anywhere in the world, like a laptop stolen from a cafe or luggage taken from a hotel, sometimes with a lower limit. Jewelry, watches and art usually have small theft limits unless you schedule them.
What happens if my apartment becomes unlivable?
If a covered loss, like a fire or a burst pipe, makes your home unlivable, loss of use coverage typically pays reasonable extra costs such as a hotel or short-term rental and meals while repairs are made, up to your policy limit.
Does one renters policy cover every roommate?
Not always. Many carriers only cover the named policyholder and relatives who live with them. Roommates usually need their own policy, or must be added by name where the carrier allows it. Check before you assume their things are covered.

Insurance words, in plain English: replacement cost vs actual cash value · scheduled personal property

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA