Massachusetts Renters Insurance
🏠 Massachusetts Renters Insurance
Even if you don’t own your home, your belongings and peace of mind deserve protection. Renters insurance from Risman Insurance helps Massachusetts renters safeguard what matters most—covering your personal property, liability, and additional living expenses in case of disaster.
Coverage You Can Count On—Across Massachusetts and Beyond
Think your landlord’s insurance covers your belongings? Think again. Most landlords insure only the building—not your items inside. If fire, theft, or water damage strikes, you could be left replacing everything on your own.
Risman Insurance Agencies makes renters insurance easy, affordable, and reliable. With convenient offices in Burlington, Danvers, Tewksbury, Medford, Somerville, Barre, and New Bedford, we’ve been proudly serving Massachusetts residents for over 100 years—and we’re licensed in more than 20 states to help renters nationwide.
Why Massachusetts Renters Need Insurance
According to recent studies, nearly two-thirds of renters don’t have insurance. That leaves millions vulnerable to major financial loss after an unexpected event. A renters insurance policy from Risman can provide:
- Personal property protection for belongings like furniture, clothing, and electronics
- Liability coverage if someone is injured in your apartment or you cause damage to others’ property
- Loss of use coverage for temporary living expenses if your rental becomes uninhabitable
- Guest medical coverage to help pay medical bills for visitors injured in your home
- Optional add-ons for jewelry, collectibles, or high-value items
More landlords are now requiring renters insurance—don’t sign a lease without it.
How Much Renters Insurance Do You Need?
Start by estimating the total value of your belongings. Furniture, clothing, electronics, kitchenware—it all adds up fast. A quick inventory ensures you’re covered for what you actually own.
Need help figuring it out? Check out our helpful guides:
- How Much Personal Property Coverage Do I Need on My Renters Insurance Policy?
- Renters Insurance 101: What It Covers and Why You Need It
Start by building a home inventory to estimate the value of your belongings. It’s the best way to make sure your policy provides enough coverage.
This simple step ensures you’re not left underinsured when you need your policy most.
Actual Cash Value vs. Replacement Cost
When setting up your renters insurance, you can choose how your personal property is valued at claim time:
- Actual Cash Value (ACV): Covers your belongings at their depreciated value.
- Replacement Cost: Pays what it actually costs to replace items at today’s prices.
We’ll help you compare both options and choose what best fits your coverage needs and budget.
Does Renters Insurance Cover Floods or Earthquakes?
Standard renters insurance doesn’t cover flood or earthquake damage. If your apartment is on a lower level or near the coast, ask us about Flood Insurance for complete protection.
Bundle and Save on Your Policies
Combine your renters insurance with other policies for additional savings and convenience. We’ll help you create a package that fits your lifestyle and budget.
- Auto Insurance for your vehicles
- Homeowners Insurance when you buy your first home
- Umbrella Insurance for extra liability protection
- Condo Insurance if you purchase a unit
Local Support. National Reach.
Risman Insurance Agencies has been protecting renters for over 100 years. Whether you’re renting an apartment in Somerville, a condo in Medford, or a single-family home in the suburbs, our team offers personalized guidance and access to top-rated insurers.
Get a Free Renters Insurance Quote Today
You’ve worked hard for the things you own—don’t risk losing them. Let Risman Insurance create a renters policy that fits your lifestyle and your budget.
Call (781) 396-2116 or Request a Quote
today to compare Massachusetts renters insurance options and start protecting what matters most.
Insurance coverage cannot be added, deleted, or changed until confirmed in writing from our office.
