Affordable protection for what's yours — even when you don't own the building.

Most renters policies run between $15 and $25 a month and cover your belongings, your liability, and your living expenses if you’re displaced. Condo owners need a policy that picks up where the master association policy stops — walls, floors, fixtures, and personal property.

We’ll explain exactly what your lease or HOA bylaws require, and shop a few carriers so you don’t overpay.

What’s covered

• Personal property — Furniture, electronics, clothing, kitchenware — replacement-cost coverage available.
• Personal liability — Protection if a guest is injured in your unit or you cause damage elsewhere.
• Additional living expenses — Hotel and meal costs while your unit is being repaired after a covered loss.
• Condo walls-in coverage — Improvements, betterments, and interior fixtures the association's master policy excludes.

Pair it with auto for a multi-policy discount that often pays for the renters policy outright.