Renters Insurance
Your landlord's insurance covers the building, not what's inside it. Renters insurance protects your belongings and your personal liability, and it typically costs far less than most renters assume.
What it covers
- Personal property coverage for your belongings (furniture, electronics, clothing)
- Liability protection if you accidentally cause damage or a guest is injured in your unit
- Loss of use coverage for temporary living expenses if your unit becomes uninhabitable
- Coverage that travels with your belongings outside the home, in your car or while traveling
Who it's for
Renters in an apartment, house, or condo who want their belongings and personal liability covered, especially if your lease requires it.
Why Firehouse
We compare real rates across 36 A-rated carriers in minutes. Most renters are surprised how little genuine coverage actually costs once they see real numbers instead of guessing.
Frequently asked questions
Do I actually need renters insurance?
Ohio doesn't legally require it, but your landlord's policy only covers the building, not your belongings or your personal liability. If you want those covered, you need your own policy.
How much does renters insurance usually cost?
Most renters pay $10-$16 a month for a standard policy, it can run higher if you choose significantly more personal property coverage.
Why do landlords require renters insurance?
It protects them from being stuck with your negligence, like a kitchen fire or an overflow, and it covers injuries to guests in your unit instead of becoming a direct dispute with the landlord.
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