Many renters assume their landlord's insurance covers their belongings. It doesn't. Your landlord's policy covers the building — not your furniture, electronics, clothing, or personal items. That's where renters insurance comes in.
What Renters Insurance Covers
- Personal property: Your belongings (furniture, electronics, clothing) if damaged by fire, theft, or water damage
- Liability: If someone is injured in your rental unit, liability coverage protects you from lawsuits
- Temporary housing: If your rental becomes uninhabitable, many policies cover hotel or temporary housing costs
How Much Does It Cost?
Renters insurance in Montgomery typically costs $15–$30/month — less than a streaming subscription. For that price, you get $20,000–$50,000+ in personal property coverage and $100,000 in liability protection.
MSI: Coverage in a Few Clicks
James-Hawkins residents can get renters insurance through our partnership with MSI (Multifamily Solutions Inc.). The enrollment process takes just a few minutes online, and coverage starts immediately. It's one of several resident benefits we offer to make renting with us simple and stress-free.
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