Home / Personal Insurance / Renters Insurance
Personal Insurance

Renters coverage that protects what’s yours, even if the building isn’t.

Your landlord’s policy covers the building, not your belongings or your liability. Renters insurance fills that gap, usually for less than the cost of a monthly streaming subscription.

Get a Quote
The Basics

What renters insurance actually covers.

Renters insurance covers your personal belongings against covered losses like fire or theft, provides liability protection if someone is injured in your rental, and can pay for temporary housing if your unit becomes uninhabitable.

It’s one of the most affordable policies available, and many Belgrade landlords now require proof of renters insurance as part of the lease.

  • Covers personal belongings against fire, theft, and other perils
  • Includes liability protection if someone is injured in your rental
  • Pays for temporary housing if a covered loss displaces you
  • Often required by landlords as part of a lease agreement

Good Fit For

  • • Apartment renters
  • • Single-family home renters
  • • College students off-campus
  • • Anyone renting long-term
What’s Included

Core protections under renters insurance

Personal Property

Covers your furniture, electronics, and belongings against covered losses.

Liability Protection

Covers legal costs and damages if someone is injured in your rental unit.

Loss of Use

Pays for temporary housing if a covered event makes your rental uninhabitable.

Medical Payments

Covers minor medical costs for guests injured in your rental, regardless of fault.

Off-Premises Coverage

Extends some protection to belongings even when they’re away from your rental.

Affordable Premiums

Typically one of the lowest-cost policies available for meaningful protection.

Common Questions

Renters Insurance FAQs

Does my landlord’s insurance cover my belongings?
No. A landlord’s policy covers the building itself, not your personal property. Renters insurance is the only way to protect your own belongings.
Is renters insurance required in Montana?
It’s not required by state law, but many landlords require it as a condition of the lease.
How much does renters insurance typically cost?
It’s generally one of the most affordable policies available, often costing far less per month than most other insurance lines.

Let’s talk about your renters insurance coverage.

Belgrade-based advisors who know Montana risk, ready to help.

Get a Quote