Renters Insurance – Protect Your Belongings as a Tenant
If you’re renting an apartment, house, or student housing in Mercer County, Lawrence County, or nearby Ohio communities, your landlord’s insurance won’t protect your personal belongings—or cover you if someone gets hurt in your unit. That’s why renters insurance in Pennsylvania and Ohio is so important.
At Rodgers & Co Insurance, we make it simple and affordable for tenants to protect what matters most, with coverage starting at just a few dollars a month.
Why Every Renter Needs Coverage
Whether you live in a downtown Sharon apartment, a rental home in Hermitage, or student housing near Youngstown, your personal property is at risk from fire, theft, or unexpected damage. And if a guest is injured in your unit, you could be responsible for medical costs and legal fees.
Renters insurance helps by covering:
Personal Belongings
Furniture, electronics, clothing, and more.
Personal Liability
Covers your belongings from theft, fire, and other covered risks.
Loss of Use
Temporary housing and living expenses if a covered event forces you out.
What Renters Insurance Covers
A standard policy typically includes:
Personal Property Protection
Covers your items against theft, fire, vandalism, and certain weather damage.
Liability Coverage
Helps with legal and medical expenses if you’re found responsible for injury or damage.
Additional Living Expenses
Pays for hotels, meals, and other costs if you can’t live in your rental during repairs.
Need more protection? We can add coverage for high-value items like jewelry, collectibles, or specialized electronics.
Affordable Protection for All Types of Renters
One of the biggest surprises for tenants is just how affordable renters insurance is—often less than $15/month for thousands of dollars of coverage.
It’s a smart choice for:
Apartment tenants
House and townhouse renters
Students in off-campus housing
Military members renting in the area
Professionals relocating for work
Bundle Renters & Auto for Even Bigger Savings
If you have a car, you can often get renters insurance at little or no additional cost when you bundle it with auto insurance ›. Many carriers offer discounts that offset the entire renters premium—meaning you’re essentially getting it for free.
FAQs About Renters Insurance
Do landlords require renters insurance?
Some do. Even if they don’t, it’s smart to have coverage—and we can quickly provide proof for your landlord.
Does renters insurance cover my roommate’s belongings?
No. Each tenant should have their own policy unless they’re both listed on the same lease and policy.
Is renters insurance only for apartments?
Not at all—it’s for anyone renting, whether it’s a condo, house, or room in a shared home.
Can renters get umbrella coverage?
Yes—if you want extra liability protection, we can add a personal umbrella policy › for more peace of mind.
Get a Renters Insurance Quote Today
For just pennies a day, you can protect your belongings and your financial future. We’ll compare quotes from top carriers and find the right fit for your budget.