As a renter, you have many precious belongings that you want to protect, whether you rent an apartment, condo, mobile home, townhouse, or single-family home. Renters insurance, also known as apartment insurance, helps you do just that by covering the replacement cost of your personal property should you suffer an unfortunate loss caused by a fire, theft, lightning strike, or other covered peril.

What’s more, it provides liability protection should a friend, repairman, delivery person, or other guest become injured while visiting you. In addition, it covers temporary living expenses in the event your rental dwelling is uninhabitable.

Our independent insurance agency is dedicated to providing New Jersey area renters and tenants — both along the shore area and throughout the interior regions of the Garden State — with the best insurance policies to protect their prized personal possessions and precious collectibles.

Why It is Needed

Many renters aren’t aware that their landlord’s insurance policy does not provide protection for their personal belongings they have in their apartment. Although a landlord’s insurance policies offers coverage for the building itself, the tenants personal property is excluded from this coverage. The landlord’s policy also doesn’t extend to the tenant’s personal liability.

What it Covers

Primarily, renters insurance is intended to offer coverage for a tenant’s personal property. However, it functions over and above that by offering you personal liability protection if you are sued as a consequence of an accidental harm or injury to a guest in your apartment. Should your apartment become unlivable as a result of a covered loss, the expenses relating to a temporary place to live and food are covered as well.

In a nutshell, insurance for renters covers three main areas:

  1. Personal Property
  2. Personal Liability
  3. Temporary Living Expenses

Loss or damage extends to covered named perils, including:

  • Fire
  • Lightning
  • Theft
  • Vandalism
  • Hail
  • Smoke
  • Accidental water damage.

All too often, tenants think they don’t have enough personal possessions to make a insurance policy for renters worthwhile. But if you think about all the items in your apartment â€* and add up their value â€* you’ll find that it’s a lot.

Some of the personal belongings that are covered — and that you probably have in your apartment — include:


  • Computer
  • Jewelry
  • Musical Instruments
  • Antiques
  • Video Game Collections


  • Art Collection
  • Sporting Equipment
  • Keepsakes
  • Food
  • Dishes


  • Appliances
  • Tools
  • Apartment Personal Decor
  • Books
  • Silverware

Examples of coverage from our agency include events such as:

  • A thief breaks into your apartments and steals your iPad.
  • A burst pipe causes accidental water damage that destroys your comic book collection.
  • Your new bedroom set is destroyed when a fire breaks out.
  • A toaster fire destroys not only your toaster, but nearby appliances.
  • An electrical surge from a lightning strike damages your flat-screen TV.
  • A guest slips on your bathroom floor and requires medical attention.

Optional and supplemental insurance coverage options include guest medical expenses coverage and animal liability coverage as well. Riders for fine art and expensive jewelry can also be added.

Why Choose Our Insurance Agency in New Jersey for Coverage?

First of all it is affordable. Because we are an independent insurance agency, we work with multiple insurance carriers. This means that we can find you the best apartment insurance policy and coverage for your budget.

In order to offer you an excellent rate and coverage, we provide free, comparative quotes on renters insurance from multiple insurance carriers.

In addition to providing insurance for renters, our New Jersey independent insurance agency offers a comprehensive line of personal and commercial insurance policies, including auto, motorcycle, boat, and workers’ compensation insurance, to name a few. So, if you’re looking for more than one type of insurance policy, be sure to inquire about our bundling policy discounts.

For more than 50 years, we have proudly served New Jersey renters — and we’re excited about the next 50.