If you rent an apartment or a house in the USA, you might think you don’t need insurance. After all, the landlord has insurance on the building, right? Wrong. Your landlord’s policy covers the structure (walls and roof), but it does not cover your TV, your clothes, or your furniture. At Youresure, we recommend Renters Insurance to everyone who leases a home. Here is why.
1. Protection for Your Belongings
Imagine if there is a fire, a theft, or a burst pipe in your apartment.
- The Reality: Without insurance, you have to pay to replace your laptop, wardrobe, and furniture out of your own pocket.
- The Solution: Renters insurance pays you the value of these items so you can buy new ones. Renters Insurance
2. Liability Coverage (Very Important)
This is the part most people forget.
- Scenario: If a friend comes to your apartment, slips on a wet floor, and breaks their leg, you could be sued for their medical bills.
- Benefit: Renters insurance covers these legal fees and medical costs up to your policy limit (usually $100,000). Renters Insurance
3. Additional Living Expenses (ALE)
What happens if your apartment catches fire and you can’t live there for a month?
- The Cost: Hotels are expensive.
- The Fix: Renters insurance pays for your hotel bills and food costs while your apartment is being repaired.
4. It Is Surprisingly Affordable
Unlike car or health insurance, renters insurance is very cheap.
- Average Cost: In 2026, the average cost is only $15 to $20 per month. That is less than the price of a pizza!
- Pro Tip: If you bundle it with your Auto Insurance, you might get a discount.
Do not risk your financial future to save $15 a month. Renters insurance provides a safety net for your stuff and your savings. Check https://www.google.com/search?q=Youresure.com for more tips on finding the best rates.
Renters Insurance
