Renters Central | Shelter Insurance®

You're on Your Own

Moving into your first apartment is so exciting. You get to have your own place for the first time in your life, away from the nest. You're so excited about packing your favorite things and shopping for fun new things for the apartment that getting insurance is probably the last thing on your mind.   

But say that your roommate forgets to turn her straightener off and it causes a fire. You'll be fine because your landlord has insurance, right? Well, that will cover your apartment building itself, but the landlord's insurance policy won't protect your personal belongings. All your favorite items you brought from home – gone. All the new fun stuff you bought for the apartment – gone--but renters insurance can help you replace what you lost. Contact a Shelter agent first to be sure you have the coverage you need.

We also have some tips to make this transition even easier for you:

  • Personal Property Calculator – Get an estimate of your belongings' value with this handy dandy personal property calculator.
  • 6 Tips for First-Time Renters – New to the world of renting? Here are some tips that can help your renting experience go smoother.
  • Landlords and Renters Insurance - Can your landlord require you to have renters insurance? They can, but will they? Even if they don't, it's a good idea to get it.
  • Keeping Utilities Low – With the cost of moving in, new furniture, rent and everything else you need for your first apartment adding up, it would be nice to at least keep the utility bill low. 
  • Making the Most of Small Living Spaces - Whether you're moving into your first apartment or downsizing, you still might enjoy having people over. Here's how to do it in a smaller living space.
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