Renters insurance that costs less than parking
Your landlord's policy covers the building, not your laptop, bike or the kitchen fire that damages the unit next door.
Sample premiums from $14 a month. Sample figures for illustration.
How we approach renters coverage
A renters policy covers your personal property against fire, theft, smoke and many kinds of water damage, whether it is in your apartment, your car or a storage unit. It also includes personal liability, which pays if you accidentally cause damage to the building or injure a guest.
Many Portland landlords now require renters insurance with at least $100,000 of liability. We can add your landlord as an interested party so they receive proof automatically, and we will bundle it with your auto policy when that saves you money.
How a quote comes together
Most renters quotes take one conversation and a day or two of comparison.
Quick inventory
A rough total of what it would cost to replace your belongings, room by room.
Landlord requirements
We check the liability limit and interested party wording your lease requires.
Compare and bundle
We quote renters alone and bundled with auto to see which saves more.
Proof sent
Your declarations page goes to you and, if needed, directly to your property manager.
What moves the price
These factors carry the most weight with the carriers we represent. We explain each one on your quote.
Contents limit
The amount of personal property coverage you choose is the main driver.
Deductible
A $1,000 deductible prices lower than $500.
Building type
Sprinklered buildings and newer construction often earn credits.
Claims history
Prior theft or liability claims can increase cost.
Scheduled items
High-value items listed separately add a small amount each.
Why neighbors choose an independent agent
- Landlord-ready proof
- We handle the paperwork your property manager asks for.
- Bundle credits
- Pairing with auto often makes the renters policy close to free.
- Moving made simple
- Change your address with one email when you move to a new lease.
- A path to homeowners
- When you buy, we convert your history into a homeowners quote.
Often paired with renters
All coverage
Auto
From Maine's minimum limits to full coverage, with help that goes past the phone number on your ID card.
Sample premiums from $78 a month
Condo
Walls-in coverage that fills the gaps your association's master policy leaves behind.
Sample premiums from $32 a month
Homeowners
Dwelling, belongings and liability for the house you live in, priced on what it costs to rebuild in Maine.
Sample premiums from $96 a month
Renters questions
Only people named on the policy and relatives living with you are covered. Unrelated roommates should carry their own policy.
Yes, belongings away from home are covered, subject to your deductible and any limits for theft. Expensive bikes are best scheduled separately.
Sudden water damage to your belongings is generally covered. Flood from rising water is excluded.
Compare renters quotes in one call
Tell us what you need to protect. A licensed agent on Fore Street shops it, explains it, and sends a clear side-by-side, usually within one business day.
No obligation. Licensed agents. Coverage subject to policy terms.