Dwelling / Interior Structure
Protects your unit’s interior—walls, floors, fixtures, built-ins—against covered perils.
Protect Your Stuff, Protect Your Peace, Affordable Renters Insurance Made Simple
Covers your belongings, liability, and more, starting at less than $1/day.
We serve families & businesses in
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What Is Renters Insurance and Why Do You Need It?
Renters insurance is like a safety net for your everyday life. While your landlord’s policy protects the building itself, it won’t cover your belongings or personal liability. Renters insurance steps in to shield you from the unexpected, whether it’s a kitchen fire, a break-in, or a guest’s accident in your home.
Here’s what it does for you:
Protects furniture, electronics, and clothes.
Covers personal liability if someone is hurt in your rental.
Provides temporary living expenses if your rental becomes unlivable.
What Does Renters Insurance Cover?
Standard Renters insurance typically includes:
Condo protection, demystified—your must-haves up front, extras on tap when life gets “plot twist.”
Personal Property
Covers your belongings at home and usually off-premises too.
Liability Protection
Helps with legal costs and payouts if you’re responsible for injury or property damage.
Medical Payments to Others
Pays small medical bills for guests injured in your unit, regardless of fault.
Loss of Use
Covers hotel, meals, and living expenses if a covered loss makes your condo unlivable.
Loss Assessment
Helps pay your share of HOA special assessments from covered building/liability losses.
Building Property
Covers upgrades you’ve added—custom cabinets, counters, flooring, built-ins.
Optional Coverages
Click to reveal add-ons for common condo gaps.
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Optional Coverages
Click to reveal add-ons for common condo gaps.
Water Backup
Helps with damage from sewer/sump backups.
Earthquake
Coverage for quake damage, excluded from standard policies.
Flood
Flood insurance via NFIP or private carriers.
Scheduled Property
Extra protection for jewelry, art, collectibles.
Identity Theft
Support and expense coverage if your identity is stolen.
Umbrella
Additional liability limits above your condo policy.
Tap any card to see what it covers. We tailor renters policies for apartments, condos, and homes—protecting your stuff, your liability, and your budget.
Personal Property Coverage
Furniture, clothes, electronics—at home or away (storage & travel sub-limits apply).
Click to see details
- Choose Actual Cash Value (ACV) or Replacement Cost (RC) for contents.
- Coverage typically follows you off-premises and in storage (limits vary).
- Special sub-limits for jewelry, watches, instruments—schedule items for higher limits.
- Keep a photo/video inventory to speed up claims.
Liability Coverage
If you’re responsible for injuries or property damage, this helps with defense & payouts (up to limits).
Click to see details
- Covers legal defense, settlements, and judgments for covered claims.
- On- and off-premises incidents (e.g., dog bite—breed rules may apply).
- Landlord/HOA may require proof; add as additional interest if needed.
- Pairs well with a personal umbrella for higher limits.
Loss of Use (Additional Living Expenses)
Hotel, meals & extra costs if a covered loss makes your unit unlivable.
Click to see details
- Temporary housing, increased food costs, laundry, mileage, pet boarding.
- Time or dollar caps—pick limits that fit your local market.
- Applies only when the cause is covered under your policy.
Medical Payments to Others
No-fault help with guests’ minor injuries in or around your unit.
Click to see details
- Pays initial medical bills regardless of fault (within limits).
- Helps avoid larger liability disputes; common limits $1k–$5k+.
Fire & Smoke Damage
Covers your belongings from fire, smoke, and soot—plus ALE if you’re displaced.
Click to see details
- Applies to contents; building repairs are typically your landlord’s responsibility.
- Excludes intentional acts; subject to policy conditions and limits.
Theft Coverage
Burglary & theft losses at home and (with limits) away from home.
Click to see details
- Sub-limits for jewelry, bikes, instruments, cash—schedule high-value items.
- Police report usually required; document ownership and serial numbers.
Vandalism Coverage
Protects your belongings from malicious mischief & vandalism.
Click to see details
- Vacancy provisions may apply (coverage can be limited after prolonged vacancy).
- Photograph damage promptly and keep receipts for repairs.
Water Damage (Sudden & Accidental)
Burst pipes, appliance overflows, and sudden leaks—not flood or long-term seepage.
Click to see details
- Helps with cleanup, dry-out, and repairs to your belongings.
- Flood and sewer backup are typically excluded unless endorsed separately.
Windstorm & Hail Damage
Covers your contents from wind and hail. Building damage is usually on the landlord.
Click to see details
- Named-storm or wind/hail deductibles may apply in some regions.
- ALE may kick in if your unit becomes uninhabitable due to a covered loss.
Explosion Coverage
Damage to your belongings from explosions (e.g., gas leak, appliance malfunction).
Click to see details
- Subject to policy terms and exclusions; may trigger Loss of Use if displaced.
Falling Objects
Tree limbs and other objects that damage your stuff (and sometimes make you relocate).
Click to see details
- Interior damage generally covered when the roof/window is first breached by a covered peril.
- Building repairs are typically the landlord’s; your contents & ALE are under your policy.
Weight of Ice, Snow, or Sleet
If heavy winter weather causes collapse or damage, your belongings and ALE may be covered.
Click to see details
- Applies to your contents; structural repairs usually fall to the landlord.
- Document damage quickly; keep receipts for temporary repairs.
Electrical Damage (Power Surge, Short-Circuit)
Protection for electronics damaged by sudden, accidental electrical issues.
Click to see details
- May be included or offered as an endorsement—check sub-limits and deductibles.
- Whole-home surge protectors can reduce risk and claims.
Bundle & Save
We reward loyalty with bundle discounts that make managing your insurance easier and more affordable
Renters + Auto Insurance
Bundle your renters and car policies to simplify coverage and unlock extra savings.
Renters + Life Insurance
Protect your belongings today and your family’s future tomorrow with a smart bundle.
Renters + Umbrella Coverage
Extend your liability protection beyond renters insurance with an umbrella policy.
Renters + More Bundles
Ask about pairing renters insurance with motorcycle, pet, or even RV coverage for a full protection package.
Protect Your Property, Protect Your Lifestyle
Don’t leave gaps in your coverage. OnePoint makes condo insurance easy, affordable, and reliable.
Why OnePoint Insurance Agency
The OnePoint Advantage
Personalized Coverage – Tailored to renters insurance
Affordable Options – Plans that fit your budget
Trusted Advisors – Real agents, not just algorithms
Popular Endorsements & Add-Ons
Different carriers offer these under various names, but these optional coverages enhance your protection:
Water Backup/Sump Pump Overflow
Covers damage from water backing up into your home via sewers or drains.
Service Line Coverage
Protects underground pipes and wiring (sewer, water, electric) from damage
Equipment Breakdown Coverage
Pays for repair/replacement of appliances, HVAC, or electrical systems from mechanical failure.
Ordinance or Law Coverage
Covers the cost of upgrading your home to current codes during repairs.
Extended or Guaranteed Replacement Cost
Increases dwelling limits above policy limits if rebuilding costs exceed expectations.
Scheduled Personal Property
Extra protection for high-value items: jewelry, watches, art, collectibles, firearms.
Home Cyber Protection
Covers identity theft, cyberattacks, and online fraud incidents
Inflation Guard
Automatically increases your dwelling coverage annually to match inflation.
Loss Assessment Coverage (HOAs)
Covers your share of a loss assessed by a homeowners association.
Pet Liability
Adds or increases liability coverage for damage/injury caused by pets.
Business Property Coverage
Expands limits for business equipment stored or used in your home.
Short-Term Rental Endorsement
Covers damages and liability during Airbnb or Vrbo stays
Flood Insurance (NFIP or Private Market)
Covers losses from rising water or storm surge NOT in a standard policy.
Earthquake Insurance
Available in seismic zones; protects against quake damage
Not Sure What You Need?
Every home is different and every homeowner’s needs are unique. Our advisors are ready to review your existing policy, uncover gaps, and recommend the right endorsements based on your:
Home’s age and construction
Value of personal property
Risk of flood, earthquake, or wildfire
Usage (primary, secondary, rental)
Lifestyle and liability risks
How It Works
Three quick steps. Total peace of mind.
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Request a Free Quote
Answer a few simple questions
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Review Personalized Coverage Options
See protection tailored to your condo
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Get Protected in Minutes
Lock in coverage and live worry-free
What Affects Your Premium?
We believe in transparency. These are some of the top factors that can impact your insurance rate:
Location and ZIP code
Age and Construction of your home
Claims History
Credit History (In some State)
Want to see your personalized rate? Just answer a few quick questions.
Types of Homes We Cover
Featured Carriers We Trust
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OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.
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Frequently Asked Questions
What does renters insurance actually cover?
It usually covers your personal belongings (furniture, clothes, electronics), liability if someone gets hurt in your place, and additional living expenses if your rental becomes unlivable after a covered event.
What isn’t covered by renters insurance?
Floods, earthquakes, pest damage, and normal wear and tear are not covered under a standard policy. You can often add separate coverage for those risks.
How much does renters insurance cost?
On average, renters insurance costs between $15 and $25 a month, depending on where you live, your coverage limits, and your deductible.
Does renters insurance cover roommates?
Typically, no. Each roommate needs their own policy unless your insurer specifically allows multiple tenants on the same plan.
Will renters insurance cover items stolen from my car?
Yes, most policies extend coverage to your belongings, even if they’re outside your home. That includes items stolen from your car, luggage, or even while traveling.
How do I file a renters insurance claim?
Notify your insurance company right away, document the loss with photos or receipts, and submit the claim online or by phone. Your insurer will guide you through the process step by step.
OnePoint Insurance Resources
Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Talk to a Real Agent
Call, text, or click. We’re ready when you are.
770 884 8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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