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Renters Insurance

Even if you're not allowed to choose the paint color, your apartment is still home sweet home. Let us protect your home so you can focus on living life. 

20,000+
renters know we value their valuables
We would be proud to insure you while renting. Our team is here to help provide you with peace of mind to know that your renters insurance policy will cover you whenever you need it.
96%
customer claims satisfaction
We want the claim process to be a calming one. Your satisfaction is extremely important to us. So when a claim comes in, we'll put your mind at ease and make sure you know you're covered. *****

RENTERS POLICY

What does renters insurance cover?

Acuity is different then most insurance companies. In addition to world-class claims service, there are many ways we separate ourselves in renters insurance.

Coverage details

Our renters insurance covers your belongings against things like fire or theft. It also covers medical and legal expenses if a guest were to get injured at your place.

Accommodations

If you need somewhere to stay while damage to your apartment is being repaired, renters insurance covers your expenses.

Cost of renters insurance

Renters policies are one of the most affordable insurance policies out there—typically less than $16 per month. Package renters insurance with your auto insurance to save even more!

Valuable personal property

We know you can’t put a price on Grandma’s pearls. Make sure your fine arts, jewelry, or other collectibles are properly protected by adding this coverage. We can provide coverage for specific items or you can buy increased jewelry and fur limits on a blanket basis.

Replacing your belongings

Adding this coverage to your policy means that if your property is lost, damaged, or stolen, you can buy new items to replace them. That's a new camera even if the one damaged was three years old!

Identity theft

Add an extra layer of protection. Receive one-on-one assistance to restore your identity and reimbursement for any identity theft expenses.

Road and Residence®

This unique package provides all the coverage you need in one policy with increased limits, added coverage, and discounted prices.

Package your renters and auto coverages

The Road and Residence® program combines renters, auto, and other personal insurance into one policy with value-added features.

Our passion is our customers and it shows.
Our passion is our customers and it shows.

CUSTOMER STORIES

“

When my wife and I were notified of the fire at our rental property, we were overwhelmed to say the least. [Our adjuster] met us the next day and immediately put us at ease by explaining how we would proceed from there and what to expect in the future. We were very satisfied with the way we were made whole again and would not hesitate to recommend your fine company to our friends in the future.

David

Whitewater, WI

BLOG
Get answers from our insurance experts.
    • Whether you just moved into a new apartment, have lived in a rental property for years, or are just thinking about moving into a town home, you will definitely want to consider getting renters insurance. Renters insurance covers your property against things like fire, smoke, vandalism, theft, explosion, and windstorms.
    • According to a 2014 poll by Insurance Information Institute, 95 percent of homeowners have insurance, but only 37 percent of renters carry insurance. While renters insurance may not be required at your apartment, there are several important reasons to protect yourself while renting. When you live in an apartment complex, all your neighbors are potential risks, so even if you take precautionary steps, you need to be prepared in case your next-door neighbor isn’t as responsible.
    • Back at it again with tips for first-time homebuyers—this time to go over some common mistakes to avoid. Making the leap and buying your first home is exciting! But be sure to take your time and not fall into these common traps.
    • Mike F.
      Author of Home Focus
    • Mike F.
      Author of Home Focus
    • Mike F.
      Author of Home Focus

    RESOURCES

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    Glossary

    Check out our glossary to help you understand your policy.

    FAQs

    Have questions? We have answers.

    Doesn't my landlord's insurance cover me and my apartment?

    No, your landlord’s insurance only covers the rental building itself, not your belongings or liability for accidents.

    What does renters insurance cover?

    Renters insurance covers loss or damage to your belongings caused by things like fire, theft, smoke, vandalism, explosion, and windstorms. It also covers your liability—things like guest’s medical expenses if an accident happens. 

    Why do I need personal liability insurance?

    Accidents happen. You can end up on the hook for legal fees or medical expenses if someone were to get hurt at your apartment. Renters insurance helps pay for those types of bills. 

    As long as my roommate has renters insurance, I'm okay too, right?

    No, your roommate’s insurance policy will cover his or her own possessions, but not yours.  To cover your belongings, you need your own renters insurance policy.

    ABOUT US
    Get to know us.

    We're rated A+

    Only commercial regional insurer to be rated A+ by both A.M. Best and Standard & Poor's, making Acuity an icon of strength.

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    In business since 1925

    Acuity is the 57th largest insurer in the nation and manages nearly $4 billion in assets.

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    Happy employees lead to happy customers

    Ranked #9 on the FORTUNE “100 Best Companies to Work For®” 2017 list

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