Your landlord's policy protects the building, not your belongings or your liability. Renters insurance in Columbus is one of the most affordable policies you can buy, and it can be the difference between replacing everything out of pocket and a simple claim.
What Renters Insurance Covers
- Personal property – clothing, furniture, electronics and more after a covered loss such as fire or theft.
- Personal liability – if a guest is injured in your apartment or you accidentally damage the unit.
- Additional living expenses – hotel and meals if your apartment becomes unlivable.
- Optional add-ons – water backup, scheduled valuables, identity theft restoration and replacement cost coverage.
Who Needs It
Apartment, condo-renting and house-renting tenants, college students, roommates and landlords with tenants who want their renters carrying coverage. Many Columbus-area leases already require proof of insurance. We can issue a certificate quickly.
Tips to Pick the Right Limit
Walk through your home room by room, add up what it would cost to replace everything, and choose replacement cost coverage if it is available. Then pair it with a liability limit that matches your assets.
Frequently Asked Questions
Does renters insurance cover my roommate?
Only if the roommate is a named insured on your policy. Otherwise each roommate usually needs their own policy.
Is renters insurance required?
Not by law, but many landlords require it in the lease. It is inexpensive protection either way.
Can I bundle renters and auto?
Yes. Many carriers offer a multi-policy discount when you insure your car and your rental together.