Edit Content
Click on the Edit Content button to edit/add the content.

Affordable Insurance for Renters

Take the worry out of your renters coverage

Peace of Mind

CSIA has been protecting where you live for over 45 years.

Simple. Smart. Insurance

Customers told us the things they disliked about Insurance and we listened

Tailored Coverage

Our goal is to provide you with the best coverage at the most competitive price

Protect what you love

Safeguard your apartment or condo belongings, and more, with affordable renters insurance.

Types of

Information that helps you plan, prepare and protect.

What is covered under a basic renters insurance policy?

Millions of people live in rented homes and apartments, yet less than half of them have no renter’s insurance. A good percentage of them do not even know that renter’s insurance exists. A lot of the people who don’t have renter’s insurance falsely believe that somehow, their property is covered under their landlord’s insurance policy. This is far from the case since the landlord’s insurance policy only covers their building and other belongings in that building such as the security system, tools in the shed, backup generator, and other things. To ensure that your property in a rental home is covered, you need to buy renter’s insurance. The following is a breakdown of what’s covered by a basic renter’s insurance policy:

1. Personal property coverage

Picture everything you own in your rented home; your tv, furniture, kitchen appliances, clothes, shoes, precious comic book collection, and other items. Think about how much you’ve spent to date to buy all those items; is it thousands, tens of thousands, or even hundreds of thousands? Now picture a fire starting in your kitchen and burning down all those possessions into ashes.

2. Liability coverage

This provides coverage against certain costs if you are found legally responsible for any injuries sustained to other people or damage to their property in your rented home. For instance, if you invite a friend over and he/she slips and falls down the stairs breaking an arm, your renter’s insurance will cover their medical costs and legal costs if they decide to sue. In another example, if your dog destroys a neighbor’s property, they can sue you and your renter’s insurance policy will cover your liability and legal costs up to the limits set in the policy.

3. Additional living expenses

If your rented home or apartment is damaged by a fire, hailstorm, tornado, or other disasters, it may be rendered uninhabitable for the period during which repairs are being done. Renter’s insurance covers you for the costs you will incur as a result of having to seek alternative accommodation, increased cost of food above what you normally spend, increased cost of transport, and other expenses that arise as a result of damage to your home.


Renter’s insurance is vital since when disaster strikes, it can really save you from financial ruin. However, since insurers and policies differ, it’s always important to ensure you get a renter’s insurance policy that covers your unique needs.

What happens if...

Simple. Smart. Insurance protecting what matters

Renters insurance is a type of insurance policy that pays out in the event that your belongings need to be repaired or replaced due to damage or theft.

Most landlords today require renters insurance as a condition of signing a lease. Be ready to buy renters insurance if you haven’t already.

Compared to other types of insurance, renters insurance is relatively inexpensive. The cost of a renters policy depends on the collective value of the property your insuring. Insurance Institute reports the average renters insurance policy costs on average $300 a year.

A standard renters insurance policy is made up of a few different types of coverage. Get a full list from your agent so that you have it.

Renters insurance can cover damage and injury caused by pets, but you should check your policy to see which pets are covered.

You can let your CSIA agent know, but to get the claims process rolling fast, you can report a claim online period.

Our insurance parteners