Renters insurance

Protect your personal belongings with renters insurance.

Whether you’re settling into your first apartment or upgrading to a new space, renters insurance gives you the confidence to feel at home. With Mapfre Insurance, you get comprehensive protection against fire, theft, liability, and those unexpected disruptions that can upend daily life.

Discover how easy it is to safeguard what matters most, so you can focus on making your space truly feel like home.

Mapfre provides renters insurance to residents in the following states:

Massachusetts
Connecticut
Rhode Island
New Hampshire
Maine
Vermont
Ohio
California
Oregon
Idaho
Washington

Why choose renters insurance from Mapfre?

Renting gives you flexibility, but it shouldn’t leave you exposed to risk. That’s where Mapfre comes in. Because protection isn’t just about things. It’s about peace of mind delivered with confidence.

Protect your belongings: Coverage against fire, smoke, theft, and vandalism keeps your valuables safe.

Liability coverage: Rest easy knowing you’re protected if someone is injured in your rental home.

Loss of use: Get help with living expenses if your rental becomes uninhabitable due to a covered event.

What’s included with Mapfre renters insurance?

Your valuables matter, but so does everything else that makes life easier. Mapfre renters insurance offers more than just protection for your belongings. It’s about everyday peace of mind. With Mapfre, you get comprehensive coverage and confidence you can trust. Here’s what you can expect:

Coverage C – Personal property: Protects your belongings, such as furniture, clothes, and electronics, if they’re stolen or damaged by a covered event.

Coverage D – Loss of use: Pays for extra living expenses, like hotel stays and meals, if you need to move out while your home is being repaired after a covered event.

Mapfre added coverage: Enhance your renters insurance policy with increased coverage limits for select items. These endorsement options may include expanded landscaping protection, coverage for fire department service charges, and valuable benefits such as lock replacement and reward coverage. Contact your insurance agent to learn which coverage options are available in your state.

Special personal property coverage: Enjoy extra peace of mind for your valuables and unique items, with protection against risks such as fire or theft, as detailed in your policy. You can further expand your protection if needed. Fraud and counterfeit payment protection are included to help safeguard you from financial losses. Please note: Some items may not be covered, and this extra coverage is available only if you are not renting your home to others.

Refrigerated property coverage: Protects your perishable foods if your refrigerator or freezer fails due to a mechanical breakdown or power outage. If your food is spoiled as a result, you can be reimbursed for up to $500, after a $100 deductible.

Credit card, forgery, and counterfeit money protection: This add-on covers up to $500 if someone uses your credit card, debit card, or checks fraudulently, or if you receive counterfeit money. For greater protection, you can increase this coverage to $10,000.

Identity fraud expense coverage: Protects you if your identity is stolen. If identity theft occurs during your policy period, you can be reimbursed for costs up to $15,000 (subject to a $500 deductible). You may also access services from CyberScout™, including credit file alerts, credit monitoring, and support from trained fraud specialists.

Personal injury coverage: Protects you from more than just physical damage. It also covers legal costs and damages if you are held responsible for personal injury, such as false arrest, wrongful eviction, libel, slander, or invasion of privacy you from more than just physical damage. It covers legal costs and damages if you are held responsible for personal injury, including situations like false arrest, wrongful eviction, libel, slander, or invasion of privacy.

What’s not covered by renters insurance?

Knowing what’s not covered is as important as knowing what is. Typically excluded are:

Flood or earthquake damage
Your roommate’s personal items
Intentional damage

Your independent agent can help customize your coverage for complete confidence.

How much rental insurance costs

Your premium depends on factors like location, coverage limits, and optional endorsements. Urban areas tend to have higher rates than rural ones and adding extra protection for valuables may increase your premium. The good news is that most policies remain highly affordable, giving you significant protection at a low cost.

Get the protection you need for your rental

Renters insurance with Mapfre is simple, affordable, and smart. Start your coverage today and protect your home, your belongings, and your peace of mind.

Common questions about renters insurance

What does renters insurance cover?

Mapfre renters insurance covers your personal belongings against risks such as fire, smoke, theft, and vandalism. It also includes liability protection if someone is injured in your home or if you accidentally damage someone else’s property, plus additional living expenses if a covered loss makes your rental uninhabitable.

How much does renters insurance cost?

Renters insurance is surprisingly affordable, with monthly premiums varying based on your location, the value of your belongings, and the coverage you choose.

Do I really need renters insurance if my landlord has coverage?

Yes. Your landlord’s policy only covers the building structure, not your personal property inside your home or your liability exposure. Renters insurance protects your belongings and provides liability coverage.

What isn’t covered by renters insurance?

Typical exclusions include flood or earthquake damage, your roommate’s personal items, and any intentional damage. For complete peace of mind, your independent agent can help you explore options for additional protection.

How do I get renters insurance with Mapfre?

It’s easy. You can get a free quote online in just minutes or connect with your independent agent to customize coverage that fits your needs.

Rising inflation, supply chain issues, and reconstruction and labor costs are among the many factors determine your annual home insurance premium. Because so many things go into calculating your premium, reviewing your home policy each year is a good idea to ensure you get the right coverage and pay the best rate.

Home maintenance checklist for every season

Whether you have owned your home for years or you are a first-time owner, a regular maintenance schedule is important for the upkeep of every house – no matter what time of the year. Here’s a home maintenance checklist for every season.