Renters Insurance: The Best Deal in Insurance

If you rent, it's easy to assume insurance is your landlord's problem. It isn't. Your landlord's policy covers the building — not a single thing you own inside it, and not you.

Renters insurance fills that gap for a surprisingly small amount, often around the cost of a couple of coffees a month. Here's what it does.

First, it covers your belongings — furniture, electronics, clothes, and everything else — if they're damaged, destroyed, or stolen in a covered event. Add up what it would cost to replace it all and you'll see why that matters.

Second, it includes personal liability. If someone is hurt in your apartment, or you accidentally damage someone else's property, this coverage helps with the costs instead of leaving you to pay out of pocket.

Third, it covers loss of use. If a covered event makes your place unlivable, it can help pay for a hotel and extra expenses while you get back on your feet.

Many landlords now require renters insurance anyway — but even when they don't, it's one of the smartest, cheapest protections you can buy. And if you have auto insurance with us, bundling the two can lower both.

If you're renting anywhere in the Omaha area, let's spend five minutes making sure you're covered. It costs less than you think.