Renters Insurance in New Jersey That Protects What Your Landlord Won’t

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Worried Your Landlord’s Policy Won’t Protect Your Stuff? You’re Right.

Most renters don’t realize that a landlord’s policy only protects the building—not your belongings, furniture, or electronics. That’s where renters insurance comes in, offering affordable coverage for the things you’ve worked hard to buy. For just a few dollars a month, you can protect personal property, add liability coverage, and even cover temporary housing if something goes wrong in your apartment. And if you already carry auto insurance, pairing it with renters coverage can often save you money—while protections like flood insurance help close gaps that standard renters or homeowners insurance policies don’t address. Whether you live in Newark, Jersey City, Toms River, or a coastal community, we help you get the right protection without stress or guesswork.

Family playing with a child in a moving box in a new home; child with arms outstretched, parents push the box.

Trusted by Renters Across New Jersey

Five black stars.

Very helpful, friendly, experienced and efficient staff who can help you get multiple kinds of insurance from auto to business. They know the local market and it was a pleasure to work with Dawn.


- Rita L.

Five black stars in a row.

Excellent Experience! Attentive Honest and very helpful


- Debra R.

What We Help With

Personal Property Coverage
Covers your belongings—furniture, clothing, electronics, and valuables—if they’re stolen or damaged by fire, smoke, or certain water events. We recommend replacement cost coverage so you can buy new items, not receive depreciated payouts.


See Personal Coverage Options →


Liability Protection
If you accidentally cause damage—like starting a kitchen fire or your pet injuring a visitor—liability coverage helps pay for repairs, legal fees, and medical bills. It protects you if the unexpected affects your neighbors or building.


Explore Extra Liability Protection →


Additional Living Expenses (ALE)
If your apartment becomes uninhabitable after a fire or covered loss, ALE pays for a hotel, food, and basic necessities while repairs are made. This is especially important for NJ renters in high-density areas where temporary housing can be costly.


Optional Add-Ons for NJ Renters
Coverage enhancements include scheduled items for jewelry, water backup protection, and contents-only flood options for coastal or river-adjacent renters. We help you choose add-ons based on your building, location, and lifestyle.


Explore Flood Options →


Plus: Student & Young Professional Coverage
Ideal for college rentals or shared apartments—protects your laptop, textbooks, electronics, and personal items both on and off-campus. Great for Monmouth County and Ocean County student housing areas.


Bundle With Auto Coverage →

Family carrying boxes moving into a new home.

How We Make Renters Insurance Simple

Getting renters insurance shouldn’t feel complicated or expensive. We explain your options clearly and help you choose only what you need.

01

Tell Us About Your Space

We look at your belongings, living situation, and any landlord requirements.

02

Choose the Right Coverage Amounts

We help you estimate the value of your belongings and set strong liability limits.

03

Review Optional Add-Ons

Pick enhancements based on risks like theft, water backup, or coastal flooding.

04

Get Support When It Matters

If something happens, we advocate for you during claims for a smoother experience.

Your Renters Insurance Questions, Answered Clearly

  • Is renters insurance required by landlords in NJ?

    Often yes—many landlords require it as a lease condition, especially in multi-unit buildings. It protects both you and the property owner.

  • Does renters insurance cover my roommate?

    Only if they’re listed on your policy. Otherwise, each renter needs their own coverage for personal belongings.

  • What isn’t covered by renters insurance?

    Flood damage isn’t covered without separate protection, and your car or your roommate’s things aren’t included unless specifically added.

  • How much renters insurance should I get?

    Choose coverage that matches the value of your belongings and consider at least $100,000 in liability protection.

  • Will renters insurance pay if my apartment is burglarized?

    Yes—personal property coverage includes theft, whether at home or in some cases away from your apartment.

Get This Fixed Before an Accident Costs You Thousands

Renters insurance is one of the most affordable ways to protect your belongings, your savings, and your peace of mind. We help New Jersey renters choose strong, simple coverage—tailored to their budget and lifestyle.