Renters Insurance

If you rent your home in Boston or Dorchester, your landlord's insurance covers the building, not your belongings. That means if a fire, theft, or water leak damages your things, the cost falls on you unless you have renters insurance. The good news is that it's usually one of the most affordable policies you can buy.

What Renters Insurance Actually Covers

For a small monthly cost, a renters policy typically helps with three big things:

• Personal belongings, such as furniture, electronics, and clothing
• Liability, if someone is injured in your rental or you damage someone else's property
• Additional living expenses, if a covered event makes your place unlivable for a while

Affordable Protection for Massachusetts Renters

Renters insurance is often more affordable than people expect, and it's a smart move for students, young professionals, and families renting apartments and homes across Massachusetts. Many landlords now ask tenants to carry it, and it can even lower the overall cost when bundled with an auto insurance policy.