3103 Breckenridge Ln
Louisville, KY 40220
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The Palacio Miller Family of agencies -
Proudly Serving a five-state area!

Renter’s Insurance: Why You Need It and What It Covers

If you are a renter, you may think that insurance is not necessary because you do not own the property. However, your landlord’s insurance only covers the building, not your belongings. That’s where the renter’s insurance comes in.

Renter’s insurance provides protection for your personal property, liability coverage, and additional living expenses if you are unable to live in your rental due to a covered loss. It’s an affordable way to protect yourself financially in case of unexpected events.

Here are some common coverages offered by renter’s insurance:

Personal Property Coverage: This covers your personal property, including furniture, clothing, and electronics, against damage or loss caused by theft, fire, smoke, vandalism, or other covered events.

Liability Coverage: This coverage protects you in case you are responsible for someone else’s injuries or property damage. For example, if someone gets injured in your rental and you are found to be at fault, your renter’s insurance can help cover the damages and legal fees.

Additional Living Expenses: If you are unable to live in your rental due to a covered loss, this coverage can help pay for additional expenses such as hotel bills, food, and other related costs.

When choosing renter’s insurance, it is important to understand what is covered and what is not. Some policies may have exclusions, such as damage caused by floods or earthquakes, so be sure to review the policy carefully and ask questions.

In summary, renter’s insurance is a smart investment for renters to protect their personal belongings and cover themselves in case of liability or additional living expenses. It’s an affordable way to have peace of mind and protect yourself from unexpected events. Contact us today to learn more about renter’s insurance and how it can benefit you.


  1. We are locally owned and operated!

  2. We provide coverage through multiple carriers!

  3. We can combine coverage to save you money!

  4. We offer friendly customer service!

  5. You have 24-hour access to your policy info!


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