Renters insurance offers essential protection
Firefly offers budget-friendly renters insurance; but the policy’s scope of protection extends beyond your own possessions.
If you are held accountable for someone’s injury on your property, a renters policy may also cover medical costs, as well as additional living expenses in the event that a covered loss renders your home uninhabitable.
Save on renters insurance easily
We offer a bunch of discounts you can qualify for, that will save you time and money!
Renters insurance provides personalized protection
The purpose of renter’s insurance is to protect you from unanticipated occurrences like theft of your personal belongings and guest injuries- for which you are legally responsible.
When you request a quote for renters insurance from Firefly, you can easily customize Your coverage and limit options to fit your needs.
Let’s say your home got broken into, and your furniture was taken. The cost of replacing the stolen items may be covered by your personal property insurance, up to the policy's limits and minus your deductible.
Common questions about renters insurance
This depends on two factors:
- How much personal property do you have? You can determine the total value of all your possessions by taking an inventory of your home. Use our personal property calculator to determine the minimum amount of coverage you would need.
- How much money do you have? You need to obtain at least adequate personal liability insurance to cover your losses if you're responsible for someone else's injuries or property damage.
The following situations are covered by renters insurance, subject to the policy's limitations and any applicable deductibles:
- A break-in results in the theft of your gadgets, clothing, and furniture. Your personal property insurance will pay to replace the items (special limits may apply).
- If you were held accountable for a visitor’s injury while they are at your house, liability coverage will take care of their medical expenses.
- You must relocate while repairs are performed because your apartment building has water damage. Your loss of use policy may cover your lodging.
Damage resulting from floods is not covered by your renters insurance policy. However, if the water damage is unexpected, accidental, and not the result of flooding, your personal belongings are often covered.