If you’re renting a house, apartment or condo, you need renters insurance. That’s because if anything happens to your building – a fire, severe weather, theft – your landlord’s insurance will cover damages to the building, but anything inside is yours. Even if you don’t own that much, the cost to replace everything – clothes, electronics, furniture, jewelry, and so on – will quickly add up to be thousands of dollars. Fortunately, C.H. Smith has your back on this and can help you set up an affordable renters insurance policy today.

What does renters insurance cover?

Renters insurance covers valuables inside your home and out. It will also pay for additional living expenses if something happens to your place and you’re suddenly without a place to live, and it will cover any medical payments if a guest is injured while visiting your place.

Will renters insurance cover my laptop outside of my home?

Renters insurance earns extra points in our book because it helps cover your personal property even if it is outside your home. If you lose your laptop after locking it in the car or someone spills a drink on it at the coffee shop, renters insurance steps in and help you replace it. The same is true for your smartphone, sports equipment and more.

How much does renters insurance cost?

Thankfully, renters insurance is surprisingly affordable – especially if you group it with an auto policy and see additional savings on your car insurance premium. The amount people pay for renters insurance varies based on the amount of coverage they need, but to give you an idea, an average policy often less than a dollar a day!

What isn’t covered under a standard renters policy?

Typically, things that are considered collectibles: jewelry, guns, rare coins and art will need a special rider to be covered under your policy.

How do I know how much coverage I need?

A quick inventory of your home will help you determine how much coverage you need. The team at C.H. Smith will help you find the right amount, but if you want to get a head start you can always try out a free online inventory tool like Sortly™ and My Home


Get free renters insurance quotes from multiple carriers to see how much money you can save.