Personal Property
Furniture, electronics, clothing, and belongings damaged by fire, theft, or water.
Independent Insurance · Est. 1959
Your Landlord's Policy Doesn't Cover Anything You Own
Renters insurance protects your belongings, your liability, and your living expenses if your unit becomes unlivable — usually for the cost of a few coffees a month. We compare renters coverage from multiple top-rated carriers and bundle it with auto where it saves you more.
Compare coverageBundle with autoShop multiple carriers
Get My Insurance Options
Tell us a little about your household. A licensed insurance advisor will review your needs and contact you to discuss your options.
Renters Insurance
What renters insurance covers.
Everything inside the unit, plus the liability that comes with living there.
Personal Liability
Defense and damages if a guest is injured in your unit or you damage the building.
Loss of Use
Hotel and additional living costs if your rental becomes uninhabitable.
Water & Smoke Damage
Losses caused by a neighbor's burst pipe, sprinkler discharge, or nearby fire.
Pet Liability
Coverage options when your dog causes an injury, subject to carrier breed rules.
Scheduled Valuables
Jewelry, instruments, and equipment insured above standard category limits.
Often required by your lease. Many landlords require proof of renters liability coverage. We can issue the certificate the same day you bind.
Family-owned since
1959
Why Mayer & Steinberg
Boutique service. Institutional reach.
Independent agency
We answer to you — not a single carrier.
40+ carrier network
Real market access for real competitive pricing.
Competitive pricing
Side-by-side quote comparisons, every renewal.
Personalized guidance
A dedicated advisor — not a call center.
Long-standing reputation
Serving businesses and families since 1959.
Process
From first call to bound coverage.
A streamlined process designed around your time, not ours.
- 01
Submit Review
Share a few details about your business in just a few minutes.
- 02
Discuss risks
A licensed advisor walks through your exposure and gaps.
- 03
Compare Coverage Options
We review coverage options from leading insurance carriers and present the solutions that best fit your business.
- 04
Get coverage
Bind the right policy, with ongoing support at renewal.
Clients
Trusted by renters across the region.
"A pipe upstairs ruined most of my furniture. The claim covered replacement, not a depreciated fraction of it."
Alyssa M.
Renter
"Bundling renters with my auto cost almost nothing after the discount. No reason not to have it."
Chris O.
Renters + Auto Client
Why renters work with us.
- Coverage typically costs a few dollars a week for meaningful protection
- Auto bundle discounts that frequently offset most of the renters premium
- Replacement cost contents instead of depreciated actual cash value
- Liability limits high enough to satisfy strict lease requirements
- Proof of insurance issued quickly to your property manager
- Easy upgrade path to a homeowners policy when you buy
FAQ
Renters insurance questions we hear most.
Doesn't my landlord's insurance cover my things?
No. Their policy covers the building itself. Everything you own inside the unit, and your personal liability, is yours to insure.
How much personal property coverage do I need?
Add up electronics, furniture, clothing, and kitchen items — most renters land higher than they'd guess. We'll walk through a quick inventory with you.
Is my roommate covered under my policy?
Generally not unless they're named on the policy. Most carriers prefer each roommate carry their own, which is usually cleaner at claim time.
Am I covered if my laptop is stolen from my car?
Usually yes — renters personal property typically follows you away from home, subject to your deductible and any category limits.
Does renters insurance cover flood?
No, flood requires a separate policy. Water backup from drains and sump pumps can often be added by endorsement.
Get My Insurance Options
Tell us a little about your household. A licensed insurance advisor will review your needs and contact you to discuss your options.
Compare coverageBundle with autoShop multiple carriers