Renters Insurance
Your apartment is more than just a space; it’s your home and it deserves protection. Renters insurance is designed to safeguard you, your possessions and your living situation. It typically includes coverages such as liability protection, additional living expenses and guest medical expenses.
Many rental communities even require that you carry renters insurance as part of your lease agreement. Your landlord’s insurance won’t cover your personal belongings if they’re damaged or stolen — renters insurance will.
Tailor your renters insurance coverage
A tailored renters insurance quote ensures that your coverage meets your specific needs. Amica’s personalized approach to renters insurance helps you secure the right level of protection and avoid unnecessary costs, while ensuring you don't miss out on essential features.
Personal property
This coverage assists you with replacing your damaged or stolen possessions at home or while away, including furniture, clothing, credit cards and electronics.
Example: Your apartment is damaged by an accidental fire. Personal property coverage under your apartment insurance will pay to replace clothing, furniture and electronics damaged by the flames.
Loss of use
If you’re unable to live in or access all or part of your apartment due to a covered loss, this coverage assists with increased living expenses such as hotel stays and higher food costs.
Example: Loss of use coverage will help pay to board your pet if you’re displaced in a covered loss.
Liability
This helps pay for damages or injuries to others. Liability coverage can also help cover legal costs associated with the claim if you’re sued.
Example: You’re at a friend’s house and accidentally damage their property. Liability coverage will cover the repairs or replacement.
Medical expenses
If someone was injured due to a covered occurrence, this coverage may help pay for their medical expenses.
Example: If one of your party guests slips and falls on ice, medical expense coverage can help pay for any medical bills you’re liable for.
Renters insurance discounts and savings
At Amica, you can tailor your renters insurance coverage to meet your specific needs while keeping it budget-friendly with available discounts.
Why choose Amica?
The Amica experience means you’ll be provided with reliable insurance coverage built on transparency, integrity and dependability. With over a century of stability, we assure policyholders of our established trustworthiness.
Exceptional value
Amica prioritizes your needs with comprehensive insurance solutions that balance coverage with cost savings. Our discounts and rewards programs are designed to provide you with the best value for your policy.
Quality service
Experience prompt, personalized service with Amica. Our dedicated team provides empathetic support for all your needs, from paying a bill to answering your policy questions about apartment insurance.
Reliable protection
With Amica, you benefit from industry-leading claims resolution and minimal disruption. The Amica mobile app offers a seamless insurance experience, including easy policy and claims management.
Common questions about renters insurance
Your renters policy will likely cover any damage that your pet causes to other people’s property. However, if your pet damages your property, there’s no coverage for repairs.
Yes, renters insurance is protection that follows you wherever you go. It protects items in your car, while you’re on vacation, and even offers limited coverage for items stored in a storage unit.
Start by taking inventory of your belongings room by room, including clothes, electronics and furniture, to determine how much coverage you need.
Liability limits typically start at $100,000, but you should check if your landlord or property management requires a higher amount.
Typically, renters insurance averages between $13 and $30 a month, depending on your needs and location.
Insights and guidance for renters
Customer service that earns loyalty
Excellent mutual insurance is built on lasting relationships with each policyholder. At Amica, our customers are our best advocates. Hear more about the Amica experience directly from them.
1 Discounts not available in all states and may vary.
2 Dividend policies are not available in every state, may not be available on all policy types, and are not guaranteed. To be eligible to receive a declared dividend, you must be a policyholder when, and if, dividends are declared. Should your policy cancel or terminate for any reason before the end of its full term, you would not be eligible for a declared dividend payment.
3 Discounts vary and are typically greater when your device is monitored by a third-party service.
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