Don’t Settle for
Minimum Coverage —
Get the Protection You Deserve
Renters Insurance
Protect What
Matters Most
Renting an apartment should come with peace of mind. At Apterian, we make sure you’re covered with renters insurance that not only meets your community’s requirements but also safeguards the things that make your space feel like home. From your furniture and electronics to your clothes and personal treasures, we’ve got you covered.
The Apterian Advantage
for Renters
Choosing Apterian means you’re getting more than just a policy—you’re getting a partner in protecting your lifestyle.
Maximize Savings – We shop top carriers to find you the best coverage at the best price.
Simplify Insurance – Our advisors make the process easy to understand and hassle-free.
Exceptional Service – Personalized support from people who care about protecting you.
Bundled Savings – Combine renters and auto insurance to save big—sometimes even making coverage nearly free.
Why Renters Insurance Matters
Many apartment communities only require liability coverage—which protects the building, not your belongings. Without full renters insurance, you could be left paying out of pocket if your property is stolen, damaged, or destroyed. Apterian ensures you don’t just meet the minimum—you’re fully protected.
“When Liability-Only Isn’t Enough: Real Stories of Renters Caught Unprotected”
Many apartment communities require tenants to carry insurance — but not all insurance is created equal. Some policies satisfy the lease requirement yet provide only liability coverage, leaving your personal belongings completely unprotected. Below are real examples of renters across the country who learned the hard way why knowing your coverage matters.
Atlanta — Bell Collier Village (Atlanta News First)
Summary: After a large fire destroyed residents’ belongings, a consumer report noted many apartment complexes require tenants to carry insurance — and some complexes only require personal-liability policies, not full renters (personal property) coverage. The story warns tenants to confirm that a property’s “required” policy actually covers personal belongings.
Michigan — Knob Hill Apartments / Okemos (Lansing State Journal)
Summary: Residents displaced by a Dec. 2022 apartment fire said they had been paying a monthly insurance fee to management and believed it covered their personal property — but later learned the coverage purchased by management only covered the property owner/building (not tenants’ belongings). The paper reported tenants felt misled.
Baltimore, MD — underground/manhole fire (WBAL 11 News)
Summary: Following a Sept. 2024 underground fire that damaged nearby businesses/residences, tenants told investigators they had paid for coverage through their landlord or management and were later told they did not have recoverable coverage for their losses. The local TV investigation reported tenants’ anger at learning the coverage they counted on wouldn’t pay for their possessions.
Industry / vendor example — Liability-Only products offered to partner communities (Assurant, RealPage / ResidentShield, etc.)
Summary: Several large vendor programs that partner with apartment management companies explicitly offer “Liability-Only” products that meet lease requirements but do not cover tenant personal property. Assurant even documents a Liability-Only product aimed at partner communities; RealPage/ResidentShield and other multifamily programs also provide tightly scoped resident insurance options. This shows the practice is industry-wide and available nationally.
Join the Apterian Advantage
Becoming part of the Apterian Advantage means more than just buying insurance—it’s gaining a partner dedicated to protecting your lifestyle and your budget. From renters to auto coverage, we simplify the process, maximize your savings, and deliver service you can count on every step of the way.
What’s Covered
Your apartment community may only require liability insurance, which protects them—not you. That means if your belongings are stolen, damaged, or destroyed, you could be left footing the bill. Apterian is here to make sure you’re fully covered, protecting what’s yours when your apartment management won’t.
Personal Property Protection
Your belongings are more than just “stuff”—they’re your furniture, electronics, clothing, and personal treasures that make your apartment feel like home. Most apartment communities don’t protect these items; their liability coverage only safeguards the building itself. Apterian ensures your personal property is covered against theft, fire, water damage, and other unexpected events, and with certain policies, your coverage extends all around the world, protecting your valuables wherever life takes you. With our guidance, you can select a policy that truly safeguards the things you’ve worked hard to own, so you’re never left paying out of pocket for losses that aren’t your fault.
Liability Coverage
While liability insurance is often the only coverage your apartment management requires, it only protects them—not you. Liability coverage is still important because it protects you if someone is injured in your apartment or if you accidentally damage someone else’s property. Apterian helps you understand the right limits and options so you’re fully safeguarded against lawsuits or claims, giving you peace of mind that extends far beyond the minimum requirements of your community.
Loss of Use
If a fire, flood, or other covered loss leaves your apartment uninhabitable, your apartment community likely won’t cover your temporary housing, meals, or other living expenses. Apterian makes sure you’re protected with loss of use coverage, which helps pay for alternate accommodations and keeps your life on track while repairs are made. We help you choose the right policy limits so you can recover quickly without the stress of unexpected bills—something your apartment management rarely considers.
Optional Add-Ons (Available with Select Carriers)
Water Backup Coverage – Protects against damage caused by sewer or drain backups.
Personal Injury Coverage – Provides legal defense against claims such as slander, libel, or wrongful eviction.
Scheduled Property Coverage – Additional protection for high-value items such as jewelry, art, or collectibles.
Electronics & Home Office Coverage – Extra protection for laptops, smartphones, and home office
Pet Liability Coverage – Covers damage or injury caused by your pets.