Renters Insurance

Renters Insurance2022-04-05T12:49:14-04:00

Get excellent protection for the many important things that fill your home

From the splash of color you gave the once bare walls to the investment you made in stylish furniture, decorative light fixtures, and custom drapes, you have taken great pains to make your rented place look and feel like a home. Like you, Fred C. Church believes your apartment, and all it holds, is deserving of special attention and protection. Our knowledgeable team will help you design a customized renters insurance policy to safeguard you and your belongings from the potential risks of renting. These hazards can include fires, water damage, break-ins, and even lawsuits.


Average monthly cost of a renters insurance policy

Essential Coverage

Too many renters underestimate the value of their belongings and the benefits of insurance.

Whether you’ve just finished unpacking all your moving boxes or you’ve been renting the same place for years, it’s very likely that the things in your apartment are collectively worth far more than you are giving them credit for. You don’t have to be a clothes horse, a technophile, or a fine art collector to have an apartment filled with tens of thousands of dollars in belongings. For this reason, at Fred C. Church, we talk to renters about investing in broad insurance coverage to protect what is important to them. Renters insurance includes protection for your lost, damaged, or stolen belongings, liability coverage, and much more.

Women with headphones on and phone in hand sitting down on a couch with a dog sitting beside her

Talk to an insurance professional about your renter risks.

Talk To An Insurance Professional About Your Renter Risks.

What are the three main components of your renters insurance policy?

Before you buy, Fred C. Church will help you understand the ins and outs of your policy.

The three main coverages in your renters insurance are not so different from those found in a standard home insurance policy. In the event you are renting an apartment, condo, or house and experience a fire, break-in, water damage, or other similar misfortune, you should have coverage for any personal possessions that are ruined. Your renters insurance should also help you pay for any additional living expenses that you incur while displaced from your rental as a result of one of these situations.

Rounding out the coverages in your renters insurance policy is one more key financial safeguard – liability protection. This component of your policy is critical because it is there to provide coverage should you ever be sued for injuring someone else or damaging another person’s property. Whether you, a family member, or even your pet is found to be liable for an accident, this coverage could pay for the cost of defense in court, up to the limit of your policy. In addition, your renters policy should also include no-fault medical coverage as part of the liability protection. This allows someone who gets injured on your property to simply submit their medical bills directly to your insurance company, hopefully helping you avoid a lawsuit altogether. Other additional protections you may want to consider based on your belongings and lifestyle include:

Dad holding little boy on his lap while the mother holds the boys hand to her heart as they are gathered around a table
  • Umbrella Insurance to provide you with liability protection beyond the limits of your renters and auto policies

  • Scheduled Personal Property Endorsement to ensure that any valuable items, such as jewelry or sports memorabilia, could be replaced at their full value if stolen, lost, or accidentally broken

  • Personal Cyber Liability to financially protect you from identity theft fees, online ransom and extortion payments, data restoration expenses after a personal cybersecurity breach, and more

If you need help making these important decisions about your renters insurance solution, the professional team at Fred C. Church is here to make it easy. We will help you understand all your coverage options and assist you in selecting the best policy for your lifestyle and budget.


Here are some additional insurance options
available to renters through Fred C. Church:

  • Identity Fraud Expense Coverage

  • At-Home Business Rider

  • Replacement Cost Policy

  • Pet Insurance

  • Earthquake Coverage

What we mean when we say,
“It’s the people.”

If you choose to work with Fred C. Church as your insurance broker, you will experience our unique approach to finding the right protection plan for your personal property and managing the risks you inherently have as a renter. You will also see how important it is to us that you wholly understand the renters insurance coverages that we recommend as safeguards for your most meaningful assets. Most important, you will learn that, as independent agents, we don’t answer to anyone but you. Our only responsibility is to serve your personal goals, needs, and situation. With Fred C. Church, you will always come first.

Group of people laughing and sitting at a table outside while giving cheers with their drinks in hand

Local Expertise, Multiple Choices

We have built strong relationships with leading regional and national insurance carriers.

Our Blog

Relevant News & Helpful Tips

Client Success Stories

Here is how our people have helped other people achieve their goals.

5 stars

Everyone I have ever dealt with at Fred C. Church has always provided me with the best service, and that continued today.  You were helpful, kind, and so prompt with getting me what I needed, and I appreciate it so much!

Lindsay G., Dracut, MA

Thank you very much for all your help with my Dad’s car insurance needs as well as my own insurance. Awesome service!

Rich P., Tewksbury, MA

You are SO wonderful. Thank you for being the best agent. Much, much appreciated. 🙂

Lindsay H., Atkinson, NH

You are all experts in your field and you made my worries go away in minutes. I truly appreciate you and all the staff.

Ann Marie A., Lawrence, MA

You probably get tired of me saying this, but thanks again for all your help. You made the whole process go so smoothly. Again, I thank you.

Doug R., Ashland, MA

If you are looking for knowledgeable people who can walk you through the most complex insurance matter, these guys are for you! Good listeners, problem solvers, careful and comprehensive. They aren’t kidding: people do come first here. Five stars is not enough.

Sarah M., Boston, MA

Super helpful and available folks. Awesome place!

Chris R., Haverhill, MA

I have never viewed an insurance agent like a close trusted financial professional such as my accountant, lawyer or financial advisor but always felt maybe I was missing something. Now I know that I was missing out and that I have filled this gap at the same time.

David K., Acton, MA

We’re committed to doing our very best for you.

We’re committed to doing our very best for you.