Renters Insurance for Residents of Massachusetts
Renting a home or apartment is a great alternative to homeownership. Rent may be less expensive than a mortgage, and you can trust your landlord to take care of repairs and maintenance. You might not realize, however, that you can’t rely on your landlord’s insurance policy for protecting your personal property. That’s why A-Affordable Insurance specializes in helping Massachusetts tenants find the right renters insurance coverage. We believe everyone deserves access to affordable insurance, so we work tirelessly to secure the level of coverage that works best for your budget.
The Importance of Renters Insurance
Most rental properties are covered by a landowner’s insurance policy. Unfortunately for renters, however, the landowner’s insurance only protects the parts of the building the owner is responsible for, like exterior structures, sewers, and shared spaces. The protection stops where the landowner’s property does, meaning you need a renters insurance policy to protect yourself, your guests, and your belongings inside your unit.
The average renter in America owns about $20,000 of personal property. Apartments are also 25% more likely to be burglarized than private homes. When your apartment is burglarized, for example, your landlord is not responsible for covering the cost of replacement – and neither is your landlord’s insurance company. To protect your personal property against burglary, fires, and more, you need a renters insurance policy.
What does rental insurance cover?
Helps replace your belongings including:
- Valuables up to a certain amount
Personal Liability and Medical Payments
If someone is injured at your residence, liability coverage pays for:
- His/Her Medical bills (up to the limits of your policy)
- Repairs of accidental damage to someone else’s property
- Costs pertaining to a lawsuit.
Additional Living Expenses
Options to Consider
As a renter other types of coverage you may be interested in include:
- Reimbursement of living expenses
- Rider Policies for valuables like antiques, electronics, business equipment, etc.
- Umbrella Liability Coverage
What Does Renters Insurance Cover?
- Damage from fire, smoke, wind, snow, hail, and related instances
- Vandalism and theft
- Accidental sewer discharge
Consider Additional Coverage
Your renters insurance policy won’t cover everything that could go wrong. Depending on where you’re located and what your needs are, you may also want to consider investing in additional coverage, such as:
- Reimbursement of living expenses when you’re forced to vacate the apartment after a disaster
- Rider policies that provide additional coverage for antiques, electronics, or business equipment
- Umbrella liability coverage for additional protection against claims
- Flood or earthquake insurance in vulnerable areas
Everyone’s circumstances are different, so you must find a policy that fits your unique situation – and we’re here to help.
The A-Affordable Insurance Difference
At A-Affordable Insurance, we take pride in providing tenants in Massachusetts with affordable renters insurance. Your apartment is your home, and you deserve comfort in knowing it’s covered. Since purchasing renters insurance can be a complex task, we go the extra mile to ensure the process is as easy as possible. That’s why we have 15 different locations across the state and stay open late, so you can talk to your agent at any time. We’ll even help you save more by bundling your renters policy with your auto insurance or other types of coverage.
I had Bianca R help me with my insurance and she made sure I was secure for my car. She explained everything clearly so I knew what I was signing, she was ready to fight for me when the car dealer was giving me a hard time. I would fully 110% recommend her or even give her a raise for how amazing she treated us and how fast she wanted to help get my first car on the road!
October 5, 2023
A-Affordable SAVED MY BUTT. My previous insurance policy was cancelled due to non payment (attributed to a series of misunderstandings and late arriving letters), and when I went through my previous agency to find new coverage, the cheapest they found was a $4000 down payment and $450+ monthly payments. I only had two days to find new coverage before I would lose my registration on the vehicle. A friend directed me to A-Affordable, and Regina (the CSR) was able to get me set up with a new policy that was even less than my previous monthly payments! I’m incredibly grateful for how kind, understanding, knowledgeable and quick Regina was. Overall: incredible customer service, ACTUALLY affordable insurance coverage, and an easy process.
March 30, 2023
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