There are a variety of reasons why many people choose to rent over owning a home. Cost, convenience, and less maintenance are all factors that may make renting the more attractive option. While renting does absolve you of many of the responsibilities of being a homeowner (such as homeowners insurance), you are responsible for insuring your own personal property and protecting yourself against liability for incidents that may happen inside the dwelling.

Many renters overlook the importance of protecting themselves and their belongings with renters insurance simply because they are not adequately informed about what their landlord is required to cover vs. what their responsibility might be. Make sure you aren’t one of them by learning these simple facts about renters insurance!

What is Renters Insurance?

Like the name implies, renters insurance is a type of insurance coverage that applies to people who are renting. More specifically, renters insurance provides coverage for you and your property that is not included in the insurance maintained by your landlord.

Many people fail to purchase renters insurance because they trust that the landlord has an insurance policy on the property that would cover their losses, should there be a need for a claim. Sadly, this is not always the case and the tenant could suffer some major losses if they are not covered with a renters insurance policy if calamity happens.

The Details about Renters Insurance

Renters insurance is a guarantee that the insurance company will compensate you if a covered incident occurs. In most cases, the insurance company will determine if the incident is covered or not.


Most renters insurance policies include provisions for theft. If personal belongings are stolen from the place you’re renting, there is a possibility of filing a claim and getting the money to replace the items lost.


Most renters insurance policies will cover injuries. The insurance plan you or your landlord holds may cover injuries, but that is usually for the grounds of the property and not inside the living space. If someone visits your home, trips over a rug, and sprains an ankle, then your renters insurance will help cover their medical treatment.


Along with theft and injury, this plan also protects the policyholder in the event of a fire. Renters insurance can provide the financial assistance you’ll need to replace furnishings and other belongings. Additionally, some plans will even provide funds to pay for temporary housing.

Contact us Today!

At Tammy Sower Insurance, we work hard to provide quality services and take pride in what we do for all of our customers. If you have any questions about renters insurance, please give us a call at 540-635-9007 today.

Business Address

Find Tammy Sower Insurance on Facebook118 East Main Street
Suite 100, Front Royal, VA 22630 (entrance on Kidd Lane)
Phone: 540-635-9007