Renters Insurance Coverage

Why Renters Insurance Matters

Your landlord's policy will only cover their building/property. To Protect your items or to protect you from liability claims, Renters insurance is an affordable way to protect your furniture, electronics, clothing, and more-plus it covers you if you accidentally cause damage (like a kitchen fire or water overflow) in your rented apartment or home. It's the safety net you'd need to start over if disaster strikes.


Do you have a college student? These students usually have coverage under their parents’ homeowner insurance policy, but if a student moves into an apartment, there is no coverage for 30 days. Concerning theft coverage, the student's belongings must be kept in the living quarters, so if a student has (for example) mechanic type tools and left them in the school shop room and they were stolen, there would be no coverage if the student didn't have a renter's policy and have them insured.

Coverage for Your Personal Property, Liability, and More

A black and white line-art icon showing various household appliances, including a refrigerator, television, and speakers.

Personal Property

Get reimbursed for stolen or damaged belongings-TVs, laptops, clothes, kitchenware, and more. Most policies cover fire, theft, burst pipes, smoke, and vandalism.

 Need help deciding coverage amounts? Gateway can walk you through your nventory.

A black and white line icon of a document with a dollar sign symbol, overlaid with a shield displaying a checkmark.

Liability Protection

If someone is hurt in your rental (e.g. slip, dog bite) or you accidentally cause damage to the building or another unit, your policy helps cover claims and legal costs.

A black-and-white icon of a dollar sign inside a house shape, enclosed by a circular border.

Additional Living Expenses

If a fire or other disaster makes your place unlivable, your policy pays for the extra costs while your apartment is repaired.

A realtor showing a couple a home's interior, standing in a doorway; kitchen in the background.

How Renters Insurance

Can Help

A black checkmark icon inside a circle.

A thief breaks into your apartment and steals your TV and laptop-your policy pays to replace them, if replacement cost is applicable (and after the deductible).

A black outline of a checkmark symbol inside a circle on a white background.

An upstairs pipe bursts and soaks your couch and clothes you have coverage for those damages.

A black-and-white icon of a checkmark inside a circle.

A kitchen fire makes your unit unlivable-there is coverage for your additional living costs until you move back in.

Even if your belongings aren't fancy, replacing everything at once can cause you financial stress! Renters insurance helps ensure coverage for those out-of-pocket expenses.

Surprisingly Affordable, Easy to Set Up

A black outline of a checkmark symbol inside a circle on a white background.

Renter’s Insurance is very affordable!

A simple black outline of a checkmark symbol inside a circle.

Gateway can issue proof of coverage, which some landlords require for lease compliance.

A black outline of a check mark inside a circle.

Need more protection for valuables (like jewelry, musical instruments, or collectibles)? Ask about endorsements to increase your limits.

Family of four entering a bright home. Smiling children run forward; parents follow, smiling. White walls.

Coverage for Students & Families

Renters insurance is a smart move for college students in off-campus apartments. Most home insurance policies offer only limited protection for students, Gateway can help families add coverage or start their student's first policy.

Renters Insurance-Questions Answered

  • Why do I need renters insurance if I rent?

    Your landlord's policy covers the building, not your belongings or your liability. Renters insurance fills those gaps, giving you peace of mind.

  • How much is renters insurance per month?

    A quote is needed to get the pricing for your situation.


  • Is renters insurance required by landlords?

    Some landlords do require proof of coverage-Gateway can provide this for lease compliance.

  • Can I add extra coverage for valuables?

    Yes-endorsements are available for jewelry, electronics, musical instruments, and more.

Get Covered in Minutes-Enjoy Peace of Mind for Pennies a Day

Renters insurance is easy to set up, affordable, and can be customized to your needs. Get a quote from Gateway Insurance today!