Renters insurance
Whether you're in a first apartment near SVSU, sharing a rental in Saginaw Township or renting a house on the west side, renters insurance can help protect you after events like fire, theft or a burst pipe in the unit above.
- Personal property — clothes, furniture, electronics, bikes and more, at home or often away from home.
- Personal liability — if a guest is injured or you accidentally damage someone else's property.
- Loss of use — extra costs like a hotel if your rental becomes unlivable after a covered loss.
- Medical payments to others — for small guest injuries.
Many landlords now require renters insurance. We can help you get proof of coverage quickly — often the same day.
Condo insurance
Your condo association's master policy covers parts of the building, but how much depends on whether it's a "bare walls," "single entity" or "all-in" policy. A condo policy (often called HO-6) helps fill the gaps:
- Interior and improvements — flooring, cabinets, fixtures and upgrades you've made.
- Personal property — everything you own inside your unit.
- Personal liability — for accidents in your unit.
- Loss assessment — your share of costs the association passes to owners after a covered loss.
Bring a copy of your association's bylaws or master policy summary and we'll help you match your coverage to it.
Bundle and save
Combining renters or condo insurance with your auto policy can help you save and keeps everything with one local agent.
Renters & condo FAQs
Is renters insurance expensive?
It's often more affordable than people expect. Your price depends on how much coverage you choose, your deductible and other factors. Call us or start a quote online to see your options.
Does my landlord's insurance cover my things?
Generally no. A landlord's policy covers the building and the landlord's liability, not your personal belongings or your personal liability.
Do college students need renters insurance?
Students living off-campus usually need their own policy. Students in dorms may have some coverage through a parent's homeowners policy — ask us to check.
What does condo insurance cover that the HOA doesn't?
Typically your belongings, your liability, and depending on the master policy, your unit's interior finishes, improvements and loss assessments.
Does renters insurance cover flooding?
Typically no. Flood damage usually requires a separate flood policy, which can include contents-only coverage for renters.