Renters Insurance | Central Insurance Services

Renters Insurance

Your Stuff Is Worth Protecting

Renters insurance is one of the most affordable and most overlooked types of coverage available. Here's the key thing most renters don't realize: your landlord's policy covers the building — not your belongings. If a fire, theft, or burst pipe destroys your furniture, electronics, or clothing, you're on your own without renters insurance.

A renters policy covers your personal property against fire, theft, vandalism, and certain types of water damage. It also includes liability coverage if someone is injured in your rental home or apartment. And it's often less than $20 per month — making it one of the best values in all of insurance.

What's Typically Covered

Personal property protection (furniture, electronics, clothing)
Liability coverage if someone is injured in your rental
Additional living expenses if you're temporarily displaced
Theft coverage — even away from home
Water backup and sump pump failure options
Very affordable — often less than $20/month

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Who Needs It

Renters Insurance Is for Everyone Who Rents

Whether you're in an apartment, a rental home, or a college dorm, your belongings deserve protection.

Apartment Renters

Apartment fires, water damage from upstairs neighbors, and break-ins are real risks. Renters insurance protects your belongings in any apartment — from studio units to large complexes.

Rental Homes

Renting a house in rural Minnesota or Wisconsin? Your landlord's policy doesn't cover your TV, your tools, your furniture, or your clothes. Renters insurance fills that gap.

College Students

College students often have thousands of dollars in laptops, phones, and personal items. Renters insurance — or a parent's homeowners policy extension — can cover student belongings at school.

Young Renters

First apartment? New to renting? Renters insurance is the smart, affordable first step to building a complete insurance plan. We make it easy to get covered quickly.

Common Questions

Renters Insurance FAQs

Does my landlord's insurance cover my belongings?

No. Your landlord's policy only covers the building and structure. Your personal belongings — furniture, clothing, electronics, appliances — are not covered under your landlord's insurance. You need your own renters policy.

How much does renters insurance cost?

Renters insurance is typically very affordable — often $15 to $25 per month depending on your location, coverage limits, and deductible. It's one of the most cost-effective insurance products available.

What does renters insurance not cover?

Standard renters policies do not cover flood damage from rising water, earthquake damage, or motor vehicles. High-value items like jewelry or collectibles may need a separate rider. We'll help you understand any gaps in your coverage.

Renters Insurance in Minnesota & Wisconsin