When you’re renting a home or apartment, it’s easy to assume your landlord’s insurance will cover everything in case of disaster. Unfortunately, that’s not the case. Your landlord’s policy typically only covers the building itself—not your belongings, liability, or temporary living expenses if you’re forced to relocate. That’s where renters insurance comes in—and why having the right coverage is essential.

Why Renters Insurance Is So Important

1. Protection for Your Belongings
Think about the value of your electronics, furniture, clothes, and other personal items. If a fire, theft, or burst pipe damages your stuff, renters insurance helps cover the cost to replace it. Even if you’re away from home—say, on vacation—and your laptop is stolen, your policy can still protect you.

2. Liability Coverage
What if a guest trips and falls in your apartment? Or your dog accidentally injures someone? Renters insurance often includes liability coverage, which can protect you from expensive legal or medical bills.

3. Temporary Living Expenses
If your rental becomes uninhabitable due to a covered event like a fire or flood, renters insurance may cover hotel stays, meals, and other living expenses while you find a new place to live.

4. It’s More Affordable Than You Think
One of the biggest misconceptions is that renters insurance is expensive. In reality, most policies are highly affordable—often less than the cost of a few streaming subscriptions combined.

Let SBJW Insurance Help You Get Covered

At SBJW Insurance, we know life is busy and insurance can feel complicated. That’s why we’re here to simplify the process. Whether you’re a college student renting your first apartment or a family living in a leased home, we’ll help you:

• Understand what your policy covers (and what it doesn’t)
• Compare coverage options from top insurers
• Customize a policy that fits your lifestyle and budget
• Answer your questions with real, human support

With SBJW Insurance on your side, you can stop stressing over the what-ifs and start focusing on the things that matter most—living your life, building memories, and feeling confident in your future.

Ready to protect what matters?
Let SBJW Insurance guide you to the renters coverage that fits just right. Contact us today for a free quote!