Renters Insurance

Kape Insurance can help you select the best coverage for your insurance dollar.

You have options and we can help! Rather than spending your time searching the internet and calling various companies, let us do the shopping so you can choose wisely!

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 from 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.