Home is often where you surround yourself with the things that matter most. So at Ryder, Rosacker, McCue & Huston, we’re proud to offer low-cost rental insurance to better protect your possessions. We’ve created our below Frequently Asked Questions section to help renters navigate their most important home rental insurance questions, like, " Do I need renters insurance?" and "What does renters insurance cover?" We can also help compare renters insurance quotes, whether it's for apartment renters insurance or home rental insurance. 


North Star
Auto Owners Insurance
The Cincinnati Insurance Company
Nationwide Insurance
Farmers Mutual Insurance


Tenants live in non-owned habitable spaces. The lack of ownership by the insured means there is no dwelling structure to be insured. The lease may be in writing or verbal and may be a short-term or long-term lease.

The major causes of loss are fire and theft. Important considerations include the type of building construction, the location of the building and the number of tenants. Security of the building is important, as is the security to the insured's particular unit.

Coverage depends on the value of contents (furniture and appliances), as well as personal property, such as jewelry, furs, fine arts, electronics and other items. Appropriate safeguards should be in place, and the renter may want to consider obtaining a current appraisal to substantiate any loss. An inventory and picture record is important to document the existence and aid in recovery.

Personal liability exposure exists via the members of the household (including pets) and conditions related to the insured premises. The age of any children, the type and breed of family pets and the social and civic organizations the family participates in can all impact the loss potential.

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