Protect your belongings — your landlord's policy won't

Renters insurance for Las Vegas apartments and homes

Many uninsured renters are under the incorrect assumption that their landlord's policy covers their valuable possessions. A landlord does not provide insurance for a tenant's personal belongings. The only possible exception can occur if the landlord was aware of a prior hazardous condition, failed to correct it in a reasonable time, and as a result your belongings were damaged — a very high bar to clear.

Consequently, if there is a flood or a fire, the building gets fixed — but there is no coverage for the renter's personal property without a separate renters policy. Renters insurance from Affordable Insurance protects what you own inside your rental, including your personal liability if someone is injured in your unit.

What renters insurance covers

• •
  Personal property — clothing, furniture, electronics, and appliances lost to theft, fire, water damage, or other covered events
• •
  Liability coverage — protection if someone is injured in your rental or you accidentally damage someone else's property
• •
  Additional living expenses — hotel, meals, and other costs if a covered loss forces you to temporarily move out
• •
  Theft coverage — even items stolen from your vehicle may be covered under your renters policy
• •
  Medical payments — covers minor medical bills for guests injured in your home, regardless of fault

How much renters insurance do you actually need?

Walk through your home room by room and think about what it would cost to replace everything at today's prices — not what you paid for it. Electronics, furniture, clothing, and appliances add up faster than most people expect. A typical Las Vegas one-bedroom apartment's contents often land between $15,000 and $30,000. Our agents will help you get the right amount without over-insuring.

Se habla Español

Atendemos a clientes de habla hispana en todo Las Vegas. Comience una cotización en línea o visítenos en la oficina.