Renters Insurance Boston

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What Is Renter's Insurance?
Renter’s insurance covers a renter’s personal property and can help replace items that are affected by a loss. Renter’s policies cover events like fires, storms, hail, smoke damage, water and pipe leaks, theft, vandalism, and more.
Why Do I Need It?
Your landlord’s insurance does not extend to you and your property — it only covers your landlord and doesn’t include your personal belongings or any potential liability claims.
What Does Renter’s Insurance Cover?
As we mentioned above, renter’s insurance covers two main things:
Personal property: Under renter’s insurance, your belongings, such as furniture, clothing, computers, and kitchenware are protected.Liability: If a guest is injured in or outside your home, bitten by your dog, or files a lawsuit for some other reason, renter’s insurance may help with the legal defense costs and/or the settlement. Loss-of-use coverage, also known as Additional Living Expenses (ALE) or Coverage D, reimburses homeowners and renters for the extra costs incurred when their home becomes uninhabitable due to a covered event, like a fire or storm, ensuring a temporary, comfortable place to live.
Do All Massachusetts Renters Need Insurance?
This is an important question — especially for residents who live with roommates or significant others who are not spouses. It’s a good idea for each tenant to purchase and maintain his/her own policy. But you do have the option of adding other household members to your renter’s insurance. Learn more about or contact our team to get personalized advice on your situation.
Renter's Insurance Costs
According to the official website of the Commonwealth of Massachusetts, the average cost is between $10 - $30 a month. Your rates could be higher or lower, depending on where your rental is located and other factors. Many insurance carriers will offer a discount if a renter bundles an auto and renter’s insurance policy.
What Factors Influence the Rates?
Factors that influence policy rates include:
- Value of personal possessions
- Location
- Type of building
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