Massachusetts Renters Insurance
Renters Insurance that Protects What Matters Most
Coverage You Can Count On—Across Massachusetts and Beyond
Think your landlord’s insurance covers your personal belongings? Think again. Most landlords only insure the building, not your items inside. If disaster strikes—like fire, theft, or water damage—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, Dracut, Tewksbury, Medford, Melrose, Barre & New Bedford, we’ve been proudly serving Massachusetts residents for over 90 years. And we’re licensed in over 20 states, helping renters across the country stay protected.
Why Do You Need Renters Insurance?
According to recent industry data, nearly two-thirds of renters are uninsured. That means millions of people are at risk of major financial loss due to unexpected events. Renters insurance offers vital protection, including:
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Coverage for fire, theft, vandalism, and other covered losses
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Liability protection if someone is injured in your home
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Temporary living expenses if your rental becomes uninhabitable
More landlords now require renters insurance—don’t sign a lease without it!
What’s Covered by Renters Insurance?
Your renters insurance policy through Risman can include:
✅ Personal Property Coverage
Covers belongings like electronics, clothing, furniture, appliances, and more.
✅ Liability Protection
Helps cover medical bills or legal costs if you’re found liable for injury or property damage.
✅ Guest Medical Coverage
Pays for minor medical expenses if someone gets hurt while visiting your home.
✅ Loss of Use
Covers additional living expenses (like hotel stays) if you can’t live in your rental due to a covered claim.
✅ Optional Add-Ons
Schedule high-value items like jewelry, electronics, or collectibles for extra peace of mind.
How Much Coverage Do You Need?
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.
📱 Try the Free Home Inventory App from the NAIC
📝 Prefer pen and paper? Download the printable checklist here
This simple step ensures you’re not left underinsured when you need your policy most.
Actual Cash Value vs. Replacement Cost—What’s the Difference?
When building your policy, you’ll have the option to choose:
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Actual Cash Value (ACV): Covers the depreciated value of your belongings.
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Replacement Cost: Covers the full cost to replace items at today’s prices.
We’ll help you compare the two and choose what’s best for your situation and budget.
Renters Insurance with Local Support and National Reach
Risman Insurance Agencies has been protecting renters for over 90 years. While we’re proud to serve renters nationwide, our local offices in:
- Burlington
- Danvers
- Dracut
- Tewksbury
- Medford
- Melrose
- Barre
- New Bedford
…allow us to offer the personalized service and support our clients know and trust. Whether you’re renting a city apartment, a suburban condo, or a single-family home, our team is here to help.
Get a Free Renters Insurance Quote Today
You’ve worked hard for the things you own—don’t risk losing them. Let Risman Insurance Agencies create a renters insurance policy that fits your lifestyle, your belongings, and your budget.
