Renters Insurance in Massachusetts Tailored for You

If you rent a home or apartment, you may be surprised to learn that your belongings are not protected under your landlord’s or property manager’s insurance policy. If something happened to the home where you live that results in damage or loss of your personal belongings, you wouldn’t be reimbursed for the loss. Renters insurance provides coverage for you and your personal belongings when you rent or lease your home.

At LoPriore Insurance Agency, our motto is “Insurance that fits your lifestyle.” We offer renters insurance in MA tailored to meet your individual coverage needs. As a renter, you deserve the peace of mind that comes with total protection for your personal belongings, no matter your situation. Thus, we offer a variety of coverages and deductibles to suit you and your budget. You can even design your own policy by increasing coverage in the areas you select. Additional discounts are available to customers based on various circumstances. An approved security system is one example.

Renters Insurance Massachusetts

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What is renters insurance?

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.

In Massachusetts, even though a tenant doesn’t own the living space they occupy and rent, renters insurance is recommended to protect potential problems and risks.

Unfortunately, it’s not something many renters have and is therefore one of the more underutilized forms of insurance. The Insurance Information Institute says that only one-third of renters maintain a protection policy.

There are a few different forms of renters insurance available. We recommend  tenants learn more about what these policies cover and how to get protected. The right insurance policy could make a significant difference if something were to go wrong.

Who needs it?

Anyone who rents 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. At the very least, we advise a policy to cover your personal property and renter’s liability insurance to protect you in an emergency. These policies generally cover anyone who lives in a leased space all year round, as well as people who:

  • Lease a space temporarily while working at a temporary job
  • Lease a home seasonally for vacation purposes
  • Lease off-campus space while studying at college

College students living in the dorms on-campus generally don’t require renter insurance in Massachusetts. However, you should get one if you live off-campus.

Keep in mind that there are no state laws or regulations requiring you to have renters insurance. Whether you do or don’t have one is up to you. With that said, some landlords and property management companies may require you to sign up for a policy. You should consider having one in place, and many plans are more affordable than you might expect.

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. 

Some renters might think they shouldn’t get insurance because they don’t own the physical building they live in. Keep in mind that you do own the things inside your residence and they have value to you.

Renters insurance can help you to repair or replace your personal property if it gets damaged or stolen. You need renter’s insurance because your belongings are not covered by your landlord’s insurance.

Another reason to consider renter’s insurance is that it protects you in the event of an accident happening at your residence. Once again, the property isn’t yours, but what happens inside is your responsibility as long as you live there.

What does it cover?

Rental insurance generally covers your belongings, such as clothes, furniture, and other household items. Coverage can also include jewelry and electronics, but coverage for these items depends on the policy.

Some policies cover the cost of replacing lost and damaged items. Others offer the item’s cash value, taking into account the quality and worth of the item before issuing the payment.

What’s the difference between the cash value and the replacement cost? Suppose you purchased a sofa ten years ago and it now has become damaged. The cash value of the couch could be under $100 because of its age and condition. However, your policy could cover the dollar amount of buying a new sofa, rather than the straight value of your old one.

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 belongings and risks named in the plan, so if you want a more extensive policy, you can apply for additional coverage.

Below, you will find more information on the various coverage options you have as a renter in MA. If you want to learn more about them, please call, text or email us here.

  • Personal Property

This coverage supplies reimbursement for the cost of repair or replacement when your property is damaged or stolen. 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. Our agents can help you determine the value, and make sure you have adequate coverage.

  • Liability

This coverage provides reimbursement for unexpected events when something is damaged, or someone is hurt in your rental home. While you undoubtedly make every effort to keep your home safe from danger, accidents can happen unexpectedly. Liability provides coverage for a guest’s damaged items or medical costs if you’re responsible for the incident.

  • Additional Living Expense

When disaster strikes, homes can get badly damaged. If your home is severely damaged to prevent you from returning home, this coverage will pay for the hotel costs incurred while your house is uninhabitable.

  • Full Replacement Option

One option you can choose when seeking renters insurance is a full replacement (or replacement cost on contents replacement). This provides complete coverage for all that you have lost with no depreciation. Consider the amount it would cost to replace everything you own. Get the peace of mind that comes with knowing you won’t have to settle for less than you had.

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.

  1. Location

Your location will be a significant factor in determining your insurance premiums as these are correlated to risk level. If you live in a neighborhood that is prone to floods or storms, for example, you will likely need to pay higher premiums as there is a higher probability for claims.


Your deductible refers to the amount you have to spend out of your pocket before your insurance coverage takes effect. This factor is directly related to your insurance premium. Specifically, a higher deductible will translate to a lower premium since it indicates that you are more willing to cover before the insurance kicks in. Conversely, a lower deductible translates to a higher premium.

   3.Building Security

Similar to location, building security is also considered in the calculation of your insurance premiums. You can expect a lower premium if your building has a security system and appropriate facilities to keep tenants safe. However, for places without security features or in areas with high crime rates, you will have to pay a larger premium due to the location.

   4.Coverage Amount

Your insurance coverage is one of the most significant impacts on your premiums since the more insurance you need, the higher the premiums. 

Take note that for valuable items, such as jewelry or antique items, you may have to get additional coverage beyond your standard policy. The best way to make sure that you get adequate coverage is to take a personal inventory and assess the cost of your belongings. We understand this process well and help our clients with this important step.

   5.Financial Standing

Insurance providers will also look into your financial history before deciding on your premium. Generally, the more confident they are that you can pay your premium on time, the lower the risk, and the lower the premium. By that principle, having good credit can help you get lower rates.


Your location plays a role in determining your renter’s insurance rate. The cost can vary significantly from city to city, with the state-average capped at about $217 to $220 annually.

Does it cover the building itself?

Renter’s insurance and landlord insurance tend to cover different things. The first covers the costs for tenants accused of, or found responsible for, damage to the property they rent and live in.

However, most policies don’t cover the building itself. Building coverage generally falls under landlord insurance. It is up to landlords to protect the building against fire, and other disasters.

Structural coverage, which protects the buildings and secondary property structures, forms one of the critical differences between rental insurance and standard property insurance.

When renting a property from someone, consider enquiring if they have landlord insurance. Learn more about their insurance policy and what it covers, and use your renter’s insurance to fill in the gaps. Remember, you don’t own the structure of the house itself. Focus on protecting your belongings and let the landlord worry about protecting theirs.

How to choose a renters insurance policy

If you are unsure where to start, you can work with our agents to get more details about the policies offered by our insurance partners. That said, here are some of the points to consider.

  1. 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.

  1. 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.

  1. 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.

How much does it cost?

The average annual renter’s insurance for Massachusetts is $217, putting it $32 higher than the national average. Even so, $200 per year is a small price to pay to know that your belongings are covered by a comprehensive insurance plan.

The easiest way to find insurance for lower premiums is by comparing insurance policies from as many different providers as you can. We make that very easy for you to do.

Another reasonable way to save money on insurance is by bundling it with another policy. Buying a car and renter insurance at the same time, for example, can save you a lot of money. 

Talk to an agent to find out more about how much your insurance policy is likely to cost.

Why choose LoPriore?

There are several key factors to consider when choosing a rental insurance provider – their financial strength, value for money, and customer service. We go above and beyond on all three of these qualities. When you choose LoPriore insurance, you’re choosing veterans in the industry with the best policies at the best prices.

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Renters Insurance FAQ

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.

Hear What Others are Saying About Us.

Recently moved to the area. I found a great place to rent but they required renters insurance. I called several places and it just got more confusing as I went. I talked to John and he explained how renters insurance works, what I needed and got me setup pretty quick. The rates are really good and super friendly service. I am glad I gave them a call.
Michael C -

LoPriore Provides Quality Renters Insurance in Massachusetts for Tenants

All too often, individuals think their possessions aren’t valuable enough to insure. However, the combination of clothing, electronics, and appliances you own add up to a significant sum. If you’re a renter living from paycheck to paycheck, trying to replace all of your possessions could be a major setback. Renters insurance can help you get back on your feet in the event of an unexpected disaster.

The independent agents at LoPriore Insurance Agency are available 24/7 to help our valued customers find the insurance they need. Indeed, if you have questions about renters insurance or are unsure about how to determine your belongings’ value, get in touch today. We can answer your questions, offer a quick quote, and help you understand your coverage options.

Have any Question? Ask us anything, we’d love to answer!