What is Renters Insurance?
Do I really need Renters insurance? The answer is absolutely "YES!" – things happen when least expected, this is simply part of life.

Your laptop gets stolen, someone slips and falls when hosting a get together, a fire causes damage to your apartment and you need a place to stay until repairs are made; each of these items would cause you financial hardship and Renters Insurance is designed to alleviate the pain.

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We do the work for you. In a few steps, you’ll have the best rate and will be able to get immediate coverage including the ability to list your Landlord.

"Bought my insurance online, quick & simple! I even called to verify I had done it right. Hassle-Free excellent service!"

Jessica Beltran


Renters Insurance

Renters Insurance is designed to protect renters living in an Apartment, Condo, Co-Op, House or Townhome. 

Renters Insurance seems to be more commonly contractually required by Landlords in larger towns and cities around the country.  

Renters Insurance is usually offered as a package policy inclusive of Personal Property (personal belongings),  Personal Liability and Additional Living Expenses.

It is important to understand what Renters Insurance covers and the level of protection it offers before determining the best renters insurance coverage to purchase.

Coverage Details

Renters Insurance policies are one of your many ways of caring for your home and loved ones. Offering renters insurance that you can depend on is the name of our game. 

The following are the 3 primary coverage items on a renters package policy:

Renters Insurance

Types of Hazard Insurance

  • Renters Insurance – Whether you are renting an apartment, a condo, a co-op, house or a townhome, you will need Renters Insurance to protect your personal belongings and obtain coverage for personal liability exposure. 
  • Landlord Insurance – Whether you own one property or multiple rental properties, a Landlord Insurance Policy is the correct form to provide coverage for a tenant occupied home.
  • Condo / Co-Op Insurance – The Condo Association or Homeowners Association will carry a master policy for the exterior of your unit; however, the interior, personal belongings and personal liability are the individual unit owner’s responsibility. These policies are sometimes referred to as Form HO-6 and are used for Condominium Units, Co-Op Units and Townhome Units.
  • Flood Insurance – Whether your home is located in a Special Flood Hazard Area (defined by FEMA) or not, Flood Insurance is available to protect your home from rising exterior water.

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Policy Service

Customer Service is available via direct insurance company portals and tele-servicing centers for our clients and additional insureds. Claims Reporting Service is available 24/7 directly online, via mobile apps and personalized telephone service. More details available on our Policy Service tab.


Results You Can Trust

HDA Insurance Brokerage is a certified and licensed National provider of home insurance and other insurance products online direct to the consumer public and via our institutional arrangement with mortgage providers. Since 1986, this Personal & Commercial Lines agency evolved into a national property insurance provider with a focused expertise in Homeowners Insurance, Landlord Insurance, Renters Insurance, Earthquake Insurance & Commercial Lessor’s Risk Insurance.
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Have any questions?

Check our FAQ


Here are the most common questions

Chances are, you'll find the answer in our FAQs. We have listed some of the more common questions asked by tenants.

We’re here to answer any and all your questions.  For more specific questions, you may complete our Contact Us form and one of our representatives will be happy to personally research the topic and respond at your convenience.  

Renters Insurance offers protection for your Clothing, Furniture, Electronics, Jewelry, Computer & Musical and/or Sporting Equipment.  The policy will state exactly what the covered perils are; these are also known as causes of loss. 

Some renters think that they don’t need insurance at all, perhaps thinking that the Landlord has them covered.  Tenants’ personal belongings and liability exposure are not covered by the Landlord’s Fire Insurance policy. Get your FREE Renters Insurance Quote now! 

The amount which is deducted from the pay out for each claim. A higher deductible will result in a lower premium and a lower deductible will result in a higher premium when shopping for insurance.   

Although some Renters Insurance companies will allow you to add a non-related person to your policy, it is recommended for each unrelated individual to buy their own policy. 

If you add someone to your policy, you are also going to add the value of their personal property;  if a claim is filed, it would be best not to have an unrelated person’s issues on your national claim record which is saved for 5 years. 

Renters Insurance policies typically have a very low limit for jewelry coverage; it is usually listed as a sub-limit of the Personal Property limit. 

If you have valuable jewelry and need a higher limit than that listed on your policy, it is best to inquire to find out if an endorsement to increase the jewelry limit is available.  

Renters Insurance provides coverage to defend you against claims made against you; commonly known as Personal Liability coverage. 

If someone is injured on your rented premises and brings suit against you, you may well likely have coverage.  There are some exclusions; however, slip and falls or dog bites are the most common claims filed.