Renters Insurance in Annapolis & Beyond
Affordable Protection for What You Own
Renters insurance is a simple, cost-effective way to protect your belongings and personal liability — even if you don’t own your home. From apartment residents in downtown Annapolis to tenants renting townhomes or single-family houses in surrounding communities, renters face real risks like theft, fire, or accidental damage. While your landlord insures the building, renters insurance helps protect what’s inside it — your furniture, electronics, clothing, and more. Our team makes it easy to secure coverage that fits your lifestyle and budget.
What Does Renters Insurance Cover?
Personal Property Coverage
Helps repair or replace your belongings if they’re stolen or damaged by a covered event like fire, smoke, or theft. Coverage applies both inside your rental and, in many cases, while you’re away from home.
Liability Coverage
Provides financial protection if someone is injured in your rental or if you accidentally damage someone else’s property. This coverage can help pay for legal defense and related expenses.
Loss of Use Coverage
Helps cover temporary living expenses — such as hotel stays or meals — if your rental becomes uninhabitable due to a covered loss. This support can make a stressful situation much easier to manage.
Do Renters Really Need Insurance?
Many renters assume their landlord’s insurance policy covers everything — but that’s not the case. A landlord’s policy protects the building itself, not your personal belongings or liability. If there’s a kitchen fire, water damage, or break-in, renters insurance can be the difference between a manageable inconvenience and a major financial setback.
Renters insurance is also one of the most affordable types of coverage available. For many Annapolis renters, policies cost just a few dollars a month for meaningful protection and peace of mind.
Important Things to Know About Renters Insurance
Renters insurance is designed to be flexible and accessible. Below are a few key points tenants often find helpful when deciding on coverage.
| Topic | What It Means | Why It Matters |
|---|---|---|
| Landlord Coverage | Covers the building only | Does not protect tenant belongings |
| Policy Cost | Typically very affordable | High value for low monthly cost |
| Liability Limits | Can be adjusted | Helps protect against lawsuits |
| Same-Day Coverage | Often available | Ideal for move-ins or lease requirements |
Not sure what coverage fits your situation? Our team can help you choose a renters policy that makes sense for you.
Common Questions About Renters Insurance
Is renters insurance required in Maryland?
Maryland law does not require renters insurance, but many landlords and apartment complexes do. Even when it’s not required, it’s strongly recommended.
What does renters insurance cover for tenants?
It typically covers personal belongings, liability protection, and temporary living expenses if your rental becomes uninhabitable due to a covered event.
Is renters insurance expensive?
Renters insurance is usually very affordable — often costing just a few dollars per month for meaningful protection.
Does renters insurance cover roommates?
Coverage usually applies only to the named insured. Roommates typically need their own policy unless specifically listed.
Can I get renters insurance quickly?
Yes — in many cases, we can help start a renters insurance policy the same day you contact us.