Renters Insurance

Coverage for the unexpected moments

Without renters insurance, you are liable for any damages that are caused in your apartment while you live there, even though you don’t own the property. Though an apartment might be temporary, your belongings are not.

Renters insurance provides liability and personal property coverage, so that you can have peace of mind knowing that you’re covered in the event of an accident.

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What is renters insurance?

Renters insurance is a contract between you and your insurance company, that protects you against financial loss in the event of an accident that occurred inside your apartment.

Liability protection

Renters insurance policies provide liability protection, or legal protection, against lawsuits for bodily injury or damage that may occur inside of your apartment. This protection would also pay for damage caused by pets inside of your apartment.

What does renters insurance cover?

Personal property

Coverage for all your belongings inside of your apartment.

Personal liability

Covers you if you are responsible for injuries or damage caused to others, i.e. if someone is injured in your apartment.

Medical payments

Covers medical payments for yourself and others from accidents involving your apartment.

In the event that you are displaced from your apartment for an extended period of time, you have the option to purchase Loss of Use coverage, to ensure that you’re covered for temporary relocation expenses, such as paying for a hotel room, etc.

What happens when you get a quote?

You request a quote

You will be asked to provide the basic required information for a quote to one of our insurance agents. This information would be your name, the address and unit number of the apartment, any liabilities that the apartment has (pets, terrace, etc.). We will reach out directly for more information once you request a quote.

Verifying coverages

We will verify your needs for your renters insurance policy. This is so what we can provide you with the best insurance in Massachusetts that caters to your needs.

We write up a quote

Based on the information that you provide to our agents, we will write up a quote for you, and contact you with several differently priced options, to see what fits your budget. We work with many carriers, so finding you the right coverage is the name of our game.

Signing the contract

If you like the terms and price, the insurance sends over an application, and your policy is finalized.

Get a Quote

By representing different insurance companies, WebFirst can shop for the right policy for you.  To get a quote, click the button below or call us at (800) 957-1455. Our agents are available Monday – Friday from 8:00 am – 4:30 pm.

Frequently Asked Questions

Can a landlord require renters insurance?

Yes, a landlord can require you to have renters insurance as part of your lease agreement.

Can roommates share renters insurance?

No, they cannot share renters insurance. A renters insurance policy only covers the named insured and immediate family members.

What does renters insurance cost?

Renters insurance costs will vary by policy, but typically a renters insurance policy is nowhere near as expensive as home or auto.

What is personal property coverage?

Personal property coverage helps offset the costs of your personal property being damaged, such as a television, laptop, or something of the sorts. You must own the property yourself in order for it to be covered.

What is scheduled personal property?

Scheduled personal property is additional insurance that can be purchased for high-value items, such as jewelry, coin collections, sporting goods, specialized electronics, and other valuables.

How can I file a claim on my renters insurance?

To file a renters insurance claim, you can head to our File a Claim page.

How do I keep track of my belongings in my apartment?

We recommend taking inventory of your belongings in your apartment. Recording the data in a spreadsheet or written down is a good idea. Make sure to compile serial numbers and take photos and videos to make sure that you know what all of your personal belongings are. Then, take a look at your renters insurance policy to make sure that the policy reflects the coverages you need.