Renters Insurance That Covers More Than Just Your Stuff
Smart, Personalized Coverage From Your Local Experts in Germantown, MD
What Your Renters Insurance Policy Should Cover
A renters policy goes beyond protecting what you own—it protects your peace of mind.
Personal Property Coverage
Covers furniture, electronics, clothing, and other belongings against theft, fire, or water damage.
Liability Protection
Helps cover medical and legal costs if someone is injured in your rental or if you cause damage to others’ property.
Loss of Use
Pays for hotel stays and other living expenses if you’re temporarily displaced due to a covered claim.
Medical Payments to Others
Helps with small medical bills if a guest is injured at your rental—regardless of fault.
Optional Scheduled Property Coverage
Add protection for high-value items like jewelry, instruments, or cameras.
Coverage Add‑Ons That Matter
Replacement Cost Coverage
Pays to replace items at today’s prices instead of depreciated value.
Identity Theft Protection
Covers costs related to identity restoration if your personal information is compromised.
Renters Insurance FAQs
Is renters insurance required in Minnesota?
It’s not legally required, but many landlords do require it as part of your lease agreement.
Does renters insurance cover roommates?
No. Each tenant typically needs their own policy unless they’re related or listed on the same lease.
What’s the average cost of renters insurance?
Most policies are very affordable—often under $20 per month. We’ll provide options that fit your budget.
Does renters insurance cover theft outside my home?
Yes, many policies cover personal items stolen from your car or while you’re traveling.
Can I bundle renters insurance with auto?
Absolutely. Bundling often qualifies you for discounts and simplifies your insurance planning.
Let’s Get You on the Road
Whether you're insuring your first car or upgrading your coverage, CF Alliance is here to help you every mile of the way.