Your landlord’s insurance covers the building. It doesn’t cover your belongings, and it doesn’t protect you if you’re held responsible for an injury or damage. Renters insurance does. Do Right Insurance compares 15+ carriers to find coverage that fits your place and your budget.
What renters insurance covers
- Your belongings: furniture, clothing, electronics and more, often including when they’re away from home
- Liability: if someone is hurt in your home or you accidentally damage someone else’s property
- Extra living expenses: hotel and meals if a covered loss makes your home unlivable
- Medical payments for guests injured in your home
What it doesn’t cover
Standard renters policies don’t cover flood or earthquake, and they don’t cover your roommates unless they are named on the policy. Ask us about both.
How much coverage do I need?
Add up what it would cost to replace everything you own: furniture, clothing, electronics, kitchen items. Most people are surprised by the total. Replacement cost coverage pays to buy new items, while actual cash value subtracts for age.
Common questions
Doesn’t my landlord’s insurance cover my things?
No. It covers the building, not your belongings or your liability.
Does my landlord require it?
Many do. Check your lease, and call us if you need proof of coverage.
Do my roommates need their own policy?
Usually yes, or they need to be named on yours. We’ll explain the options.
Get a renters insurance quote
Call 801-352-7100 or request a quote online.
Compare our quote to your current insurance
All it takes is a few minutes to contact one of our agents. We'll collect some info and get back to you with a quote that you can compare with your current insurance. We save our customers an average of 15-20% on insurance. Contact us today.