Isn't my landlord responsible for insuring my apartment or rented home?
There are some advantages to being a renter. Shower leaking? Call the landlord. Broken door? Call the landlord. But while you can ask your landlord to fix your sink, your landlord may not be responsible for damage or loss to your possessions or for your personal liability. That's why you should consider a renters insurance policy.
Renters insurance may cover you, for example, if your neighbor doesn't have renters insurance and has a fire, and the fire damages your personal belongings.
Renters insurance can give you peace of mind
If the unexpected occurs, you may have coverage for:
- Loss or damage to personal property
- Personal liability in case of injury to others or damage to someone else's property
- Additional living expenses when your apartment or rented home is damaged
- Medical expenses paid to others who are injured in your apartment or rented home
You’ll find that our Renters insurance coverage is surprisingly affordable. When you take these extra precautions, you may save on your premium:
- Home sprinkler systems
- Fire and burglar alarms
- Fire extinguishers
- Smoke detectors
- Deadbolt locks
What else do I need to know?
- Find out more about our Auto insurance
- Additional liability protection is available
- Definitions of common insurance terms
Click a link below to find out more.
Kemper Preferred provides products and services for individuals and families who want protection for their homes, vehicles and other valuables and sells through an exclusive network of independent agencies.
Kemper Direct provides Auto, Home and Renters insurance to people who are comfortable buying insurance directly online or by phone with one of our licensed professionals.
All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances current policy contract language prevails. Products, services and discounts referenced herein are not available in all states or in all underwriting companies. Furthermore, the products and prices of our various Kemper business segments differ. Coverage is subject to individual policyholders meeting the applicable underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.