Renters/Tenants Insurance:

(HO4 Policy)

What is Covered:

This insurance policy covers Tenants from loss of Personal Property, such as furniture, clothing, and appliances caused by fire, theft, lightning, wind, hail, ice, snow or other covered perils.

It does not cover the actual house or apartment that you are renting. That property is covered by the landlord’s insurance policy.  This policy also provides Liability coverage which will protect you for bodily injury and property damage to others caused by your actions or negligence. Temporary Living Expenses are also covered. (Example: You need to move elsewhere because of damage caused by a fire.)

How Much Coverage do I need?

Most often, tenants think that they don’t have enough personal possessions to make an insurance policy for Renters worthwhile. But if you think about all the items in your apartment or rented home and add up their value, you’ll likely find that it’s a lot.

Optional coverages (called Riders) can be added for expensive Jewelry, Collectibles and Fine Arts.

Call us today to learn how we can help you get the renters insurance you need, at a price you can afford!

Call 908-757-6666 or request a quote!

Contact Us


“I highly recommend Kape insurance for your insurance needs. I've been with them since 2007 never had a problem always courteous and very professional handling all my insurance needs. What ever it is from a phone conversation or a email always very quickly responding to my company needs. Great staff ... Alan, Judy & Barbara keep up the good work.” Sincerely, Jose Lugo J & J Elite Carpentry Inc. Elite Stair-Way's LLC

First John Laux Memorial Scholarship recipient

By all accounts, John Laux was a model representative of the industry. John’s decade-long work in the industry was tragically cut short after a brief and hard-fought battle with cancer. He is remembered fondly by all who worked with him. PIA recognized John posthumously with its Company Person of the Year award in 1995, and […]

Read More