Renters Insurance with Eddy Independent Group

Coverage Customized For You

Affordable Renters Insurance plans customized for you to cover everything you hold dear. Plans starting as low as $11/month,


What Is Renters Insurance?


Many renters are under the impression that their landlord’s insurance policy will cover their belongings, unfortunately that generally is not the case. Your landlord’s policy covers the building itself, but it may not include your personal belongings, and may not cover injuries sustained within the structure. That’s where renters insurance comes in.

Renters insurance protects your personal property in a rented apartment, condo or home from unexpected circumstances such as theft, a fire or sewer backup damage – and will pay you for lost or damaged possessions. It can also help protect you from liability if someone is injured on your property.

Why do I need Renters Insurance?

Most apartment complexes and landlords only have insurance that covers the damage to the actual dwelling, which leaves everything of yours—electronics, furniture, clothes, whatever—vulnerable. So, to protect your belongings in case of fire, theft, or damage, you need your own policy, called an HO4 or renter’s insurance policy. (Unless, of course, you have the funds to replace everything yourself!)

You also need liability coverage for damages caused by negligence. For instance, if you accidentally leave the kitchen sink on and it overflows into your neighbors’ apartment, you could be found liable for that damage—and required to pay for repairs, medical bills related to the accident, as well as defense costs if they bring a suit against you. Renter’s insurance would cover those costs.

What Does my Renters Insurance Cover?

Renters Insurance protects your stuff from damage or theft both in your place and out. It can also protect you from liability, forgery, and more.

Personal Property Coverage
Helps cover belongings in case of loss or damage from:
    -Falling objects
    -Wind and hail
    -Water damage from plumbing, steam or water heating systems
    -Vandalism and riots

Theft and forgery
Helps cover your personal property from certain thefts at or away from your place.

Guest medical coverage
Helps cover the medical expenses of a guest who is accidentally injured while on your property, regardless of who was at fault, up to your policy limits.

Additional Coverage
Your policy can be tailored to fit your individual needs with additional coverages.


Personal property reimbursement
Insurance typically pays based on the depreciated value of your belongings. But you can insure your belongings for the full cost to repair of replace them.

Coverage for special items
You can increase protection for valuables like jewelry, silverware, home electronics and collectibles.


Website Disclaimer - Review Carefully:

This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent. Note any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us on this online form/application and/or in communications with us. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state. You also agree to release us from any liability if this information is accidentally viewed by unauthorized persons. We will only use this information for insurance quoting purposes and not distribute to other parties.