What Is Renters Insurance?
Renters insurance — also called an HO-4 policy — is a type of home insurance designed specifically for tenants. While your landlord's policy covers the building itself, it does not cover your personal belongings or your personal liability. That's where renters insurance comes in.
An HO-4 policy is generally designed to protect your personal property (clothing, furniture, electronics) from covered perils like fire, theft, and water damage, as well as provide liability protection if someone is injured in your home. Coverage terms, limits, and what's included — including theft coverage — can vary depending on the specific policy and carrier, so it's important to review your policy details with your agent.
The best part? Renters insurance is typically the most affordable type of personal insurance available. For most people, it costs less per month than a dinner out.
Who Needs Renters Insurance?
If you rent an apartment, condo, or house — you need renters insurance. It doesn't matter if you're a first-time renter, a college student, or someone who's been renting for years. Most people assume their landlord's policy has them covered. It doesn't. Your landlord is covered. You're not.
Renters insurance is for anyone who wants to protect their belongings and avoid being on the hook for an unexpected liability claim — without breaking the bank.
Covers your belongings — furniture, electronics, clothing — if damaged by fire, theft, or other covered events. Coverage varies by policy and carrier.
Helps protect you if someone is injured in your rental unit and you're found responsible for damages or legal costs.
If your unit becomes uninhabitable after a covered loss, this may help cover temporary housing and extra living expenses while you're displaced.
How Renters Insurance Works
Getting covered is simple. Here’s how to get your policy started with Saint Moore in four easy steps.
Getting covered as a renter is straightforward. Here's what to expect when you work with Saint Moore Insurance Agency.
Step 1: Tell Us About Your Rental
Share the basics — where you live, what you own, and whether you want any additional coverage options. No complicated forms.
Step 2: We Find the Right Policy
Saint Moore Insurance Agency shops multiple carriers to find a renters policy that fits your coverage needs and budget. We explain your options in plain language.
Step 3: Get Covered Quickly
Most renters policies can be activated the same day. You'll have peace of mind knowing your belongings and liability are protected — without a long wait.
Local roots. Nationwide reach.
St. Moore is headquartered in Redlands, CA, and deeply rooted in the Inland Empire but our carrier network covers all 50 states. Whether you're a local homeowner, a regional business, or have assets across multiple states, we have the market access to protect them.
Ready to Protect What's Yours?
Getting renters insurance shouldn't be complicated. Call Saint Moore Insurance Agency at (909) 793-2151, stop by our Redlands office at 1150 Brookside Ave Suite Q, or request a quote online. We'll find you the right coverage at a price that makes sense.
No, and this is one of the most common misconceptions about renting. Your landlord's policy covers the building itself: the walls, roof, and structure. It does not cover your personal belongings, your furniture, your electronics, or any liability if a guest is injured in your unit. That protection is on you, and that's exactly what renters insurance is designed for.
Renters insurance is typically one of the most affordable types of personal insurance available, often just a few dollars a month. Your exact rate depends on factors like where you live, how much coverage you need, and whether you bundle with an auto policy. The best way to find out what you'd pay is to get a quick quote. Saint Moore Insurance Agency makes it easy. Just give us a call or request a quote online.
A standard renters insurance policy (HO-4) is generally designed to cover three main areas: your personal belongings (like clothes, furniture, and electronics) if they're damaged or stolen; personal liability if someone is injured in your home and you're found responsible; and additional living expenses if you're temporarily displaced because your unit becomes uninhabitable. Coverage can vary depending on the specific policy and carrier, so it's always worth reviewing the details with your agent.
Generally, no. A standard renters insurance policy covers the named policyholder and their immediate family members living in the same unit. Roommates typically need their own separate policy. Some insurers may allow you to add a roommate in specific situations, but this varies by carrier. If you and a roommate both want coverage, the easiest solution is for each of you to get your own policy. Saint Moore Insurance Agency can help both of you find the right fit.
