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Stoneham, MA 02180

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Renters Insurance

Renters Insurance - Enter New Apartment
Protect Your Home, Secure Your Peace of Mind!

Welcome to LoPriore Insurance Agency! We’re here to make sure your rented home is safeguarded with the best renters insurance coverage. Our team understands the importance of protecting your personal belongings, and we offer customized insurance solutions that fit your needs and budget. With our competitive rates and friendly service, getting renters insurance has never been easier. Don’t risk leaving your valuables unprotected – choose LoPriore Insurance Agency today! Contact us now for a free quote and experience the peace of mind you deserve.

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Massachusetts Renters Insurance
Quote Options

In just a few minutes, you can compare quotes from several insurance companies

Instant Renters Insurance Quote

For an online renters quote, simply complete the form below. We will contact you to discuss coverage options and discounts.

Upload Your
Current Policy

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Contact An
Agent

Need assistance or have questions? Our agents are happy to help. Please call to discuss your insurance needs.

Instant Renters Insurance Quote

For an online renters quote, simply complete the form below. We will contact you to discuss coverage options and discounts.

Upload Your
Current Policy

Already have a policy? Easily upload your insurance policy so we can explore and compare true apple-to-apple options.

Contact An
Agent

Need assistance or have questions? Our agents are happy to help. Please call to discuss your insurance needs.


Massachusetts Renters Insurance
Lopriore Insurance

Renters Insurance - Service Page Image

At LoPriore Insurance, we understand the importance of protecting your rented home and personal belongings. Our dedicated team is here to make renters insurance easy for you by providing comprehensive coverage that safeguards your assets and offers peace of mind.

With access to a wide network of trusted insurance providers, we can tailor competitive solutions to meet your specific needs and budget. Whether you require coverage for personal property, liability protection, or additional features, we will work closely with you to design the perfect renters insurance policy.

In the unfortunate event of unexpected incidents or accidents that exceed the limits of your primary coverage, our priority is to ensure a smooth claims process, providing the support you need during challenging times. Count on LoPriore Insurance for personalized attention, expert guidance, and a range of coverage options that make renters insurance hassle-free and ensure your rented home is well-protected.

Understanding the Importance of
Renters Insurance

What is It?

Renters insurance covers those who rent or lease a dwelling. The policy provides coverage for damaged or stolen personal possessions and may also include personal liability and additional living expenses.

Why Do I Need It?

If you rent an apartment or a house, you may need renters insurance to protect your belongings from theft, loss, or damage. This policy also provides personal liability coverage for damage or injury if you’re responsible. Renters insurance can help you to repair or replace your personal property if it gets damaged or stolen. Consider renter’s insurance because your belongings are not covered by your landlord’s insurance.

Who Is It For?

Anyone who rents or leases an apartment or home and wishes to protect personal belongings with the proper insurance coverage. We recommend it to all people leasing and renting in Massachusetts. It is recommended to purchase a renters insurance policy to cover your personal property and a renter’s liability insurance to protect you in the event of a potential loss.

Exploring What Renters Insurance Policies Cover

Renter’s insurance generally covers your personal belongings, such as clothes, furniture, and other household items. Coverage can also include jewelry and electronics, but coverage for these items is limited.

Personal Property
This coverage pays for the cost of repair or replacement of your damaged property. Examples of covered possessions include electronics, furniture, and clothing. Assessing the value of all of your personal property can be a confusing and challenging task.
Liability
Liability coverage on a renter's policy provides financial protection in the event that you, as the renter, are found legally responsible for causing injury to someone else or damaging their property. It helps cover the costs associated with legal defense, settlement or judgment, and medical expenses that may arise from such incidents.
Additional Living Expense
Additional Living Expenses (ALE) coverage on a renter's policy provides financial assistance if your rented dwelling becomes uninhabitable due to a covered loss, such as a fire, water damage, or natural disaster. It helps cover the costs associated with temporarily living elsewhere while your home is being repaired or until you find a new place to live.
Replacement Cost Value
Replacement Cost Value (RCV) coverage on a renter's policy is a type of coverage that helps reimburse you for the cost of replacing your personal belongings with new items of similar kind and quality, without factoring in depreciation. It is an alternative to Actual Cash Value (ACV) coverage, which takes into account the depreciation of your belongings over time.
What’s The Difference Between The Cash Value And The Replacement Cost

The cash value is the current value of an item, accounting for depreciation, and represents the amount an insurer would pay for a covered loss. The replacement cost is the cost to replace the item with a new one of similar kind and quality, without factoring in depreciation.

What Does A
Renters Policy
Cover

A good policy covers your belongings if they’re stolen or damaged on the premises of your rental apartment or home. Additional coverage on your renters’ policy may include liability and living expenses if it requires you to be out of the house for a while. However, standard policies will usually be limited to specific limits and coverages, so consider this and increase or add additional coverage when needed.

Protect Your Rental Property by Getting Renters Insurance Today!

Take the first step towards protecting your rented home and personal belongings by obtaining a renters insurance quote. Get a customized quote that fits your requirements and gain peace of mind knowing you’re covered.

Protect Your Rental Property by Getting Renters Insurance Today!

Take the first step towards protecting your rented home and personal belongings by obtaining a renters insurance quote. Get a customized quote that fits your requirements and gain peace of mind knowing you’re covered.

Factors Affecting Renters Insurance Premiums

Understanding what goes into insurance premiums helps ensure you get a good deal.. Looking through different plans and policies can easily feel overwhelming, so knowing what factors affect your insurance premium can prevent you from blindly choosing a random policy. It is important to note that some factors can be controlled, while others cannot, so you may have a way to work around these to avoid spending too much on premiums.

Renters Insurance - Cost Factors on Premiums
Location
Your location is a significant factor in determining your insurance premiums rating and eligibility for coverage. The type of construction and safety features of your home will determine your insurance
Deductibles
Your deductible refers to the amount you would incur if you have an insurance claim. Therefore a higher deductible will translate to a lower premium since it indicates that you are taking more risk and will cover losses before the insurance kicks in. Conversely, a lower deductible translates to a higher premium.
Protective Safeguards
Similar to location, protective safeguards like smoke alarms, fire sprinklers, and security systems will be part of the determination of your insurance rates.
Coverage Amount
Your insurance coverage limit impacts the total cost of your insurance premiums since the more insurance coverage you purchase, the higher the insurance rate.
Insurance Score - Credit History
When you're buying renters insurance, insurance companies may look at your financial history, including your credit score, to determine the premium you'll pay. If you have good credit, it can work in your favor by potentially getting you lower rates. Insurance providers see good credit as a sign that you're responsible with your finances and less likely to miss payments or file claims. Keep in mind that not all places allow credit scores to be used in this way, so it's best to check your local regulations. Just remember, having good credit can help you save money on your renters insurance.
Renters Insurance - Family

Aside from these factors, your desired coverage amount and the insurance company you choose will also affect the cost of your insurance. Our agents can help you compare prices among our many insurance partners to help you decide which you want to get.

Already Have Insurance Upload Your Policy

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Policy Comparison Submission
Already have coverage and want to compare? Scan your coverage page and upload it here. Accepted file types: .jpg, .png, .pdf, .doc, .docx.

What’s The Advantage of Comparing My Insurance Policy?

When you send us a copy of your policy, our team has an opportunity to get a snapshot of your current insurance coverage, discounts, and added riders on your existing insurance policy.

Where Do I Find a Copy of My Insurance Policy?

Insurance companies send you a copy of your insurance policy annually and if any changes to your policy have been made during the year. However, if you are unable to locate your policy, your insurance company or insurance agent should be able to send you a duplicate copy via email, fax, or mail.

What Happens When You Upload Your Policy?

Once we receive your uploaded policy one of our team members begins reviewing your policy. We will then contact you to discuss your coverage options. Every insurance company has different underwriting guidelines and offers different coverages and rates. Be advised while we try our best to quote with the information provided it still may be necessary to obtain additional information from you to prepare the most accurate rate.

Start Saving and Explore Discounts for renters Insurance

Prepare for substantial savings on your umbrella insurance. Embrace the anticipation of unbeatable discounts that will leave you thrilled and your wallet happy.

Please note that discount availability and amounts may vary between insurance carriers.

Start Saving and Explore Discounts for renters Insurance

Prepare for substantial savings on your umbrella insurance. Embrace the anticipation of unbeatable discounts that will leave you thrilled and your wallet happy.

Please note that discount availability and amounts may vary between insurance carriers.

Tips for Choosing the Right Renters Insurance Policy

Understanding what goes into insurance premiums helps ensure you get a good deal.. Looking through different plans and policies can easily feel overwhelming, so knowing what factors affect your insurance premium can prevent you from blindly choosing a random policy. It is important to note that some factors can be controlled, while others cannot, so you may have a way to work around these to avoid spending too much on premiums.

Assessing Your Coverage Needs

Consider factors such as the financial strength of the insurance company, value for money in terms of coverage and cost, and the quality of customer service, including their availability for claims assistance, when choosing the right renters insurance policy.

Financial Strength
One thing to consider is financial capability, which assures you that the company can pay for your claim if something were to happen. Rest assured, we work with some of the leading names and insurance companies to provide you with the best options.


Value for Money

Another thing to consider is the value for money that you get from an insurance company. You can do this by comparing your options with different providers and performing cost-benefit analyses to determine which company gives you the most for its price. Start by getting a rental insurance quote based on your coverage and insurance needs, and from there, we can discuss available options.

Customer Service
Working with an insurance company that provides excellent customer service is important to ensure that you can contact them at any time. You never know when something may happen, so you want to make sure that you can reach an agent even at the wee hours of the night. The earlier you can file for claims, the earlier you can start preparing, so the company’s availability is a crucial consideration.

Evaluating Premium Costs

Renters Insurance - Leasing Apartment

In Massachusetts, the average annual cost of renter’s insurance is $295. To secure insurance with lower premiums, it is advisable to compare policies from various providers, a process we can simplify for you. Additionally, bundling your renter’s insurance with another policy, such as car insurance, can lead to substantial cost savings. For a more accurate understanding of the potential cost, speaking with an agent who can provide personalized information and guidance is recommended.

Extra Protection, Extra Peace Of Mind

Don’t take chances! Safeguard your assets and peace of mind against life’s unpredictable twists. Take a moment to fill out the form below and receive a free quote without any commitments. It’s time to prioritize safety – your security blanket is just one click away!

Quote Request Form

Request A Personal Insurance Quote Form
Upload your current policy coverage page and we will do all the quoting for you.

Get Quality Renters Insurance in Massachusetts
Your Trusted Choice Independent Agent

Don’t underestimate the value of your belongings! Even if you’re a renter living on a tight budget, the cost of replacing your clothes, electronics, and appliances can really add up. That’s why renters insurance is essential—it protects you from unexpected disasters and helps you bounce back when life throws a curveball.

At LoPriore Insurance Agency, we understand the importance of finding the right insurance coverage for your needs. Our dedicated team of independent agents is available round the clock to assist you. If you’re unsure about the value of your belongings or have questions about renters insurance, we’ve got your back. Contact us today for a quick quote and expert guidance on the coverage options that suit you best.

Renters Insurance - Apartment

Renters Insurance FAQs

Many renters are new to the idea of purchasing insurance to protect the belongings in their homes. Coverage details vary and can be confusing. If you have questions, you’re not alone. Here are the most common questions we hear about renters insurance.

No. Renters insurance is one of the most affordable policies you can buy. Additionally, you may be able to receive discounts if you purchase multiple insurance policies from the same insurer, or have certain safety features in your home.

Massachusetts law doesn’t require renters to purchase insurance. However, many landlords and property owners make this insurance a lease requirement. You may be expected to show proof of renters insurance when you sign a lease.

Maybe. Some rental insurance policies cover your possessions if they’re damaged or stolen from your car or a storage facility. Insured items may even be covered under other circumstances, such as possessions that are stolen while you’re on vacation.

Typically, renters insurance isn’t tax-deductible. However, there are exceptions. If a part of your home is exclusively dedicated to operating a business, you may be able to deduct a portion of your premiums. Additionally, if you are an employee who works in your employer’s office and from your rental home, you may also be able to deduct a portion of your rental insurance premiums.

It’s common for a deductible to be required when you file a claim for reimbursement for possessions. Deductible amounts vary, usually based on the amount of your monthly premium

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What Others Are Saying About Us!

Jane was a very thorough agent. Got us all the information we needed.
Outstanding business. John the owner runs a great business
Thomas Carney
Thomas Carney
1706167204
Had a great experience with LoPriore. Brian was super helpful and easy to communicate with. I'd definitely recommend him to anyone trying to navigate the insurance marketplace!
Madeline Line
Madeline Line
1698691773
I did some hunting online to obtain an auto insurance quote and I couldn't be happier with what Maria did for me. First, I loved that LoPriore had an option where I could simply upload my existing policy to obtain a quote. Next, Maria was so efficient in getting back to me. Then with her knowledge of insurance and her companies to choose from, and this is NOT an exaggeration: saved me thousands!! Maria had such sincere empathy for the high premiums we were facing, she went above and beyond to find us a great solution. This experience has truly renewed my faith that there IS indeed personalized customer service still alive and thriving out there. I am so pleased to have found a new insurance agency that I had only online reviews to go by at the start, and that I can without hesitation fully recommend! Do not give it a second thought. Move your policies here.
Kathy I
Kathy I
1698119096
John was extremely responsive and helpful in searching for insurance for our three family condo association. He went above and beyond answering the call on the weekend, looking through our current policy in detail, educating us on different options. I highly recommend John and his team.
Alisha Candela
Alisha Candela
1696361074
Richard was excellent - very helpful in helping us find the best possible BOP for our Condo with Quincy Insurance. Thank you!
Ira Lanik
Ira Lanik
1695934615
Brian Burgess was super easy to work with, and I was able to get a great policy without too much of a change in my premium, even though I went from a 13 year old car to a brand new car.
Tithi Dutta Roy
Tithi Dutta Roy
1690206403
Maria was a professional, courteous, and efficient agent. Within a week of initially contacting her, I received quotes, had all my questions answered, had my policies written, and she notified my previous carrier of cancelation. It was a pleasure working with her.
Chad Laliberte
Chad Laliberte
1689254503
Fast, accurate, responsive, and knowledgeable!
Lynn Thomas
Lynn Thomas
1687787112
Honest, straightforward service for commercial and personal insurance lines. I’m a satisfied , long time customer
Ramana Lagemann
Ramana Lagemann
1685988192
They have always treated us well and do a great job with our policies. They are always available if you have questions or concerns.
Bible4Shelley
Bible4Shelley
1685148846
Great experience! We have two units in a duplex. I was looking for a company that provides master insurance. The prices are much more reasonable than the company we used to work with.Quick responses. I’m happy I found them.
Nina Fine
Nina Fine
1683825783
I am so relived I was referred to this insurance company. It is true . . . . . you get what you pay for. I tried all the internet companies first and was bombarded by scams and wasted almost a week with ZERO results. I called and had the pleasure of being paired with an excellent agent Brian Burgess. By this time, I was in a complete panic because I couldn't pick up my new car from the dealership until was insured. I have always had an out-of-state West Coast license that was expired. He was so personable, patient, and very friendly. The most important is that he was professional and new exactly how to solve the insurance issue. He had my car insured within two hours! He has continued to follow-up with me through the process. I am going to refer him to my clients and friends. Thank you Brian!Raquel
Raquel Salois'
Raquel Salois'
1682990146
I am so relived I was referred to this insurance company. It is true . . . . . you get what you pay for. I tried all the internet companies first and was bombarded by scams and wasted almost a week with ZERO results. I called and had the pleasure of being paired with an excellent agent Brian Burgess. By this time, I was in a complete panic because I couldn't pick up my new car from the dealership until was insured. I have always had an out-of-state West Coast license that was expired. He was so personable, patient, and very friendly. The most important is that he was professional and new exactly how to solve the insurance issue. He had my car insured within two hours! He has continued to follow-up with me through the process. I am going to refer him to my clients and friends. Thank you Brian!Raquel
Saved my HOA $1,500/year with much more coverage than our previous insurance agent. Tentative & informative.
Elisa Balboni
Elisa Balboni
1681827535
Best insurance experience ever. Thank you Brian.
Elena EVNV
Elena EVNV
1680807226
Just switched to LoPriore Ins. Agency. Got a better price from previous agency. Seems like better coverage so far so good
Stan Mills
Stan Mills
1678895614
From the moment I was in contact with LoPriore agent I felt comfortable and secure that I been connected to someone I felt secure speaking with. Made my transition smooth and easy. Thank you!
It has been absolute pleasure working with Richard M. and the team at LoPriore Insurance. For years we did the direct route with homeowners and auto insurance thinking it would be easier and save us money. In beginning of 2022 we converted our multifamily home into condos and couldn't find any agent or companies willing to work with such a small HOA. I contacted Richard in a state of frustration and confusion and within a couple of hours he provided me with options and pricing. I was shocked at his ability to make the process look so easy compared to others I had been in contact with. Since then, we've also switched our primary residence and auto over their agency and Richard was able to get us better policies at a cheaper price! Our days of trying to go direct are behind us - I'm so relieved to have a dependable contact who can eliminate the confusion on such an important topic. Thank you, Richard, for your guidance and expertise!
Johanna Teahan
Johanna Teahan
1670772058
LoPriore Insurance Agency is the best agency around. They are on top of things and get you the best prices. John & Rich are amazing. Always willing to go above and beyond to help me out.
Diana Reilly
Diana Reilly
1670612597
The staff at LoPriore Insurance are second to none! Friendly, quick and knowledgable responses whenever information is needed. We have been a customer for over a decade and I know our business is in great hands with LoPriore Insurance Agency!
Judith Halloran
Judith Halloran
1669143561
Best insurance company i ever worked with by far. Adam Griffin is really amazing and easy to work with.
avi golani
avi golani
1668718966
Business matters are taken care of professionally, with great courtesy and thoroughness. All staff respond to questions as best they can or refer you to other staff as needed. All businesses should strive to be as well run.
Joe Smith
Joe Smith
1663539289
Always quick, easy client service. Thank you.
Michael Cuddy
Michael Cuddy
1662487813
Always excellent service, advice and genuine customer care.
Mary Kelly
Mary Kelly
1661537083
Adam and the office staff is great anytime I call it gets done
Quick and considerate responses.
Emily Minty
Emily Minty
1656174402
Prompt and efficient service and results, Would highly recommend LoPriore Insurance Agency.
Helen Corrigan
Helen Corrigan
1656019779
Excellent rates and customer service.
Beverly Murphy
Beverly Murphy
1655980116
Always responsive, professional and helpful.
Devin Cole
Devin Cole
1654628713
I was given the most competitive quotes and the service is professional.
Xue Lin
Xue Lin
1653401533
It is a great comfort to have someone like John and his team at LoPriore Insurance looking out for me and my business. Exceptional service and product knowledge is the reason I have used them for my business bond policy for more than 15 years. The staff is professional and responsive. I highly recommend them for all insurance needs.
Licia Commito
Licia Commito
1653400226
Working with LoPriore has been incredible! Brian has been able to get great rates and is always incredibly quick to respond, prompt, and professional. If anyone asks me for a recommendation, I know where I'll be sending them!
Amazing service especially during these trying times! Made the process seamless and quick! John and Danielle were both great to work with! I highly recommend.
It's all about the service baby!
Lopriore Insurance is the type of agency that shops around for you (the client) getting the best rate and most important, they get you the right coverage.
Recently, I had my families commercial property switched over from another local agency, saving us over 3k with a bunch of extra bells & whistles we didn't even ask for (who does that). This kind of service has me telling my family and friends to support them because of all they do.
Mike Moccia
Mike Moccia
1556196383
I have appreciated all the help I’ve gotten, especially from Danielle! She always answered my phone calls and emails promptly and streamlined the process of getting multiple policies in place for us!
Wendy Vaughan
Wendy Vaughan
1540557208
We have been working with LoPriore Insurance Agency for many years for our auto, personal and business insurance policies. Being a small business owner, it's nice to know that if any issues arise, it only takes a quick phone call to have someone help address it. We always feel that we are in good hands with John and his amazing team!
Adam Griffith is our main man at lopriore insurance. Very efficient and honest! Not just an agent but a trusted advisor. Try and find someone to figure out how to insure a tattoo shop within a barber shop?? You would think it’s not possible, but Adam made it happen.
John and his team are the best.
I use them for all my insurance needs, auto, home and business.
Companies that I work with are always impressed on how quickly they respond to all our insurance needs.

Try LoPriore insurance, you will not be disappointed
John R. Micieli
John R. Micieli
1540331621
I send all my clients to LoPriore Insurance, I have received nothing but positive feedback both on price and service ! Keep up the great work John,Maria and Co.
Peter Camplin
Peter Camplin
1539883859
I couldnt imagine doing my insurance anywhere else! Theyre the best!
I got into an accident a little over a month ago. My agent Danielle was very helpful. She was always able to answer my questions, if I couldn't reach anyone from safety she was able to contact them and have them get back to me right away. When I had to go to the office and do paperwork work all of the employees were very nice and helpful. I highly recommend this agency.
Kristy Marie
Kristy Marie
1538484673
I have met many people in the Insurance industry, over my career of transacting Real Estate, and as a Broker/Owner of a firm. None, have made themselves so invaluable that I call them first without question, except for Lopriore. They offer consistently great service and rates, and help my clients with timely advice.

I trust them with my most valuable assets -- my clients, and my reputation.

Thank you for helping my clients, and my business!

Sean Callahan - Broker/Owner Callahan Real Estate
Sean Callahan
Sean Callahan
1526074049
5 stars!! A family member of mine suggested that I call there insurance guy John at LoPriore Insurance to get a better quote on my current insurance. When I called John he was very easy to work with and extremely helpful. I couldn't be happier with how easy and fast it was to get a quote of my current policy which included a renters policy and it was all offered for $1200 less per year. After years of being insured by another insurance agency I always thought all prices were the same buying from insurance agencies.
To my surprise this wasn't the case and I can't be happier I was referred to the insurance guy!! I Also want to thank Maria at insurance office that made it simple to transfer and sign up with my new insurance. I literally did this all thru my iPhone and signed my paperwork via my phone which made the change so simple. I highly recommend you contacting them and seeing what they offer you!
Angela Bognanno
Angela Bognanno
1520269176
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