Affordable Renters Insurance
Protect your belongings, your lifestyle, and your peace of mind.
Renters Insurance
Why Renters Insurance Matters
Even if you don’t own your home, your belongings and financial security still need protection.
Renters insurance covers your personal property, provides liability protection, and helps with additional living expenses if your apartment or rental home becomes unlivable.
In Michigan, where weather events, break-ins, and water backup issues are common, renters insurance gives you peace of mind at an affordable cost.
Types of Renters Insurance Coverage
Personal Property Coverage
Covers your belongings, like furniture, clothing, electronics, and valuables, even when you travel.
Key Benefits:
Replace or repair stolen or damaged possessions
Optional add-ons for high-value items (jewelry, collectibles)
Liability Protection
Protects you if someone is injured on your property or if you accidentally cause damage to someone else’s property.
Key Benefits:
Covers legal fees, settlements, and medical expenses
Applies both inside and outside your rental
Essential if you entertain guests or own pets
Additional Living Expenses (ALE) Coverage
Covers temporary living costs if your home becomes uninhabitable due to a covered event. Also known as Loss of Use coverage.
Key Benefits:
Hotel stays, meals, moving expenses
Maintain your standard of living during repairs
Optional Coverages
Expand your protection with these important endorsements:
Water Backup Coverage: Protection from sewer or sump pump backups, a common issue in Michigan.
Identity Theft Protection: Helps cover costs if your personal information is stolen.
Scheduled Property Coverage: Extra coverage for expensive items like instruments, antiques, or sports equipment..
Frequently Asked Questions (FAQ)
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Standard policies don’t cover flood damage. You’ll need separate flood insurance if you live in a flood-prone area.
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No, but many landlords require it as part of your lease agreement.
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Rates vary, but it’s often less than a dollar a day — making it one of the most affordable types of insurance.
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Yes — personal property coverage often applies to belongings stolen from your vehicle, even away from your rental.
