Renters Insurance | Alacrity Insurance Partners

What Renters Insurance Covers

Personal belongings
Liability inside your rental
Temporary housing if your place becomes unlivable

Who Needs This

Students
Young professionals
Families renting a house
Renters wanting cheap but solid coverage

Why Choose Us

Quick approvalCompetitive pricing
Simple and flexible

Real-Life Scenarios

Your upstairs neighbor’s leak damages your laptop—covered.
Your bike gets stolen — covered.
You accidentally break your landlord’s cabinet — covered.

Frequently Asked Questions

Please reach us at dash@alacrityip.com if you cannot find an answer to your question.

Do I need renters’ insurance if my landlord has insurance?

Your landlord’s policy most often covers the building, not your personal belongings. Renters’ insurance protects what’s yours.

How much renters' insurance should I have?

Coverage should match the value of your personal property, and include enough liability coverage for your protection.

Are my roommates covered too?

Generally, your renters policy only covers the named insureds listed on the policy, not every person living in the unit. Roommates usually need to be specifically added or buy their own separate policy, so it is important that each person has coverage in their own name.

Does renters insurance cover theft?

Yes, standard renters policies typically cover theft of your personal belongings from your rental unit and, in many cases, even if items are stolen from your car or away from home, up to policy limits and subject to your deductible. High‑value items like jewelry or collectibles may have special sub‑limits, so scheduling those items or increasing limits is often recommended.

Does it cover damage I cause?

Renters insurance usually includes liability coverage that can help pay for accidental damage you cause to someone else’s property or for injuries to others, up to your liability limits. It does not cover intentional damage or normal wear and tear to the unit, and your landlord may still charge you for certain repairs beyond what the policy will pay.