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Renter’s Insurance

Protect Your Belongings

Renters insurance keeps what matters safe from the unexpected.

Renting a home or apartment doesn’t mean you have to leave your belongings unprotected. Renters insurance helps cover your valuables from theft, fire, and other unexpected events. At Washington First Insurance, we offer coverage designed to keep you financially secure, no matter where you call home.

A living room with a couch , ottoman , and television.
A family is sitting on a couch in a living room.

Protection for your space and everything inside it.

Your landlord’s insurance covers the building—but not your personal items. Renters insurance ensures your furniture, electronics, and other valuables are protected from the unexpected. Explore coverage options to find the best fit.

Coverage Options

Personal Property Coverage

Helps cover the cost of replacing stolen, damaged, or destroyed belongings, including furniture, clothing, and electronics.

Liability Protection

Covers legal expenses if someone is injured in your rental or if you accidentally cause property damage.

Loss of Use Coverage

Pays for temporary living expenses if your rental becomes uninhabitable due to a covered event, such as a fire or major water damage.

Answers to common questions about renters insurance.

  • What does renters insurance cover?

    Renters insurance protects your personal belongings from theft, fire, water damage, and more. It also includes liability coverage in case someone gets injured in your rental and helps pay for temporary housing if needed.

  • Is renters insurance required by law?

    No, but many landlords require it as part of the lease agreement. Even if it’s not mandatory, having coverage ensures you won’t face financial hardship if something happens to your belongings or rental space.

  • How much renters insurance do I need?

    It depends on the value of your belongings. Creating a home inventory can help determine the right coverage amount. Our team can guide you through the process.

  • Does renters insurance cover roommates’ belongings?

    No, each roommate needs their own policy. Renters insurance only covers the named policyholder’s belongings unless otherwise specified.

  • How can I save money on renters insurance?

    Bundling with auto insurance, increasing your deductible, and maintaining a claims-free history can help lower costs. We’ll help find the best price for the coverage you need.

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