DIAMOND LEGACY INSURANCE

Affordable renters insurance.

Diamond Legacy Insurance, we are a cut above.

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Protect What Matters Most

As a renter, your home is your sanctuary—a place filled with memories, valuables, and personal belongings. While your landlord's insurance covers the building, it doesn’t extend to your personal property or protect you from liabilities. That’s where renters insurance comes in, offering essential coverage for life’s unexpected moments.

What Is Renters Insurance?

Renters insurance is an affordable way to safeguard your personal property and provide liability protection. Whether it’s due to fire, theft, or even accidental damage, renters insurance ensures that your belongings are protected. Beyond property, it can also cover additional living expenses if your home becomes uninhabitable due to a covered loss.

What Does Renters Insurance Cover?

  1. Personal Property Protection
    Your furniture, electronics, clothing, and other personal items are covered in the event of theft, fire, vandalism, and more. Renters insurance helps you replace or repair your belongings after a covered loss.

  2. Liability Coverage
    Accidents happen, and renters insurance helps protect you financially if someone is injured while visiting your home, or if you accidentally damage someone else’s property. Liability coverage can help cover legal fees and medical costs.

  3. Additional Living Expenses
    If your rental becomes uninhabitable due to a covered loss, such as a fire, renters insurance can help cover temporary living expenses, including hotel bills, meals, and more.

  4. Medical Payments to Others
    If a guest is injured in your home, renters insurance can help cover their medical expenses, even if you are not found legally liable.

Why Do You Need Renters Insurance?

  • Affordability: Renters insurance is often more affordable than people think. For a low monthly premium, you can protect your valuable belongings and avoid potential financial strain.
  • Peace of Mind: Disasters and accidents can happen anytime. Renters insurance provides peace of mind knowing that your possessions and personal liability are covered.
  • Required by Landlords: Some landlords may require tenants to have renters insurance as part of the lease agreement, ensuring protection for both parties.

How Much Renters Insurance Do You Need?

The amount of renters insurance you need depends on the value of your personal property and the level of liability coverage you feel comfortable with. A good rule of thumb is to take an inventory of your belongings and choose coverage limits that reflect their total value.

Get Covered Today

Renters insurance is a small investment that can make a big difference when life throws the unexpected your way. Protect your belongings, your finances, and your peace of mind with renters insurance tailored to your needs.

Contact us today to learn more about renters insurance and get a free quote.

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Frequently asked questions about insurance

What are the three things covered by renters insurance?

Renters insurance typically includes three types of coverage: Personal property, liability and additional living expenses. Personal property coverage can help pay to replace your belongings if they're stolen or damaged by a covered risk.

What renters insurance means?

Renters insurance protects your personal property in a rented apartment, condo or home from unexpected circumstances such as theft, a fire or sewer backup damage – and will pay you for lost or damaged possessions. It can also help protect you from liability if someone is injured on your property.

Why is renters insurance a good idea?

Renters insurance protects your belongings from loss, damage, or destruction following things like burglaries, fires, tornadoes and other covered events. Plus, renters insurance also protects your liability (and your money) if someone is injured at your rental home or apartment.

Is renters insurance really worth?

If you're a tenant, purchasing a renters insurance policy is almost always worth it, even if it's not required by your landlord. For an affordable price, renters insurance will protect you against catastrophic damage to your property and potential legal liabilities.

Does renters insurance cover accidental damage to TV?

Generally speaking, almost all consumer electronics are covered under renters insurance. Items like your TVs, your home computers and video game consoles are covered by the personal property provisions of your renters insurance policy.

How much does renters insurance cost?

The average renters insurance cost in the U.S. is $168 per year, or about $14 per month, according to NerdWallet's latest rate analysis. This estimate is based on a policy for a hypothetical 30-year-old tenant with $30,000 in personal property coverage, $100,000 in liability coverage and a $500 deductible.

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