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Sep 28, 2022

5 Reasons to Have Renters Insurance

Travel freely, and with peace of mind by opting in for renters’ insurance for short-term stays, to cover all of life’s “what -if?” moments. Many guests don’t realize that renter’s insurance isn’t included while staying in short-term housing. Here at Furnished Quarters, all guests have the option to easily enroll in renters’ insurance upon signing the lease. Renters insurance protects your most valuable belongings from loss, damage, or destruction from things like burglaries, fires, weather implications, and other covered events. These are our top 5 reasons why you need renters’ insurance for short-term rentals:

1. Protect Your Personal Belongings

One of the most important aspects of renting an apartment is ensuring that your personal belongings are protected. Whether you’ve adorned your living space with costly electronics, an extensive collection of shoes and clothing worth thousands of dollars, or other valuable items that hold sentimental or monetary value, the last thing you want is to see them damaged, stolen, or lost without any recourse.

Taking inventory of your belongings is the initial step in understanding the value at stake. Renters’ insurance can provide you with the means to replace or repair your cherished possessions in the event of unforeseen circumstances. From theft to accidental damage, it ensures that you won’t have to bear the full financial burden on your own. With the right coverage, you can enjoy your apartment with the peace of mind that your belongings are safeguarded.

2. For Peace of Mind Through Liability Coverage

Life in an apartment can be dynamic and full of surprises. While you may intend to create a safe and welcoming environment, unforeseen incidents can occur. Picture your dog unexpectedly biting a child, a social gathering with friends taking an unfortunate turn, or a visitor tripping and getting injured within your apartment. In these situations, liability coverage becomes a crucial safety net.

Renter’s insurance can provide the peace of mind you need, knowing that you have financial protection against unforeseen liabilities. It helps cover legal expenses, medical bills, and potential damages you might be responsible for, ensuring that you can navigate unexpected events without a significant financial setback.

3. Coverage Includes the Inside and Outside of Your Apartment

Your peace of mind extends well beyond the walls of your apartment. With the right insurance policy, your personal belongings remain protected both inside and outside of your apartment. Enjoy all the amenities and experiences that your apartment complex has to offer without worrying about potential loss or theft.

Whether you’re at home or out exploring the city, your insurance coverage will be by your side, ensuring that your assets are safe and secure. From the moment you check in to the moment you check out, your insurance coverage ensures that you’re protected, giving you the freedom to fully embrace your time in your rented apartment.

4. Best of All – it’s Affordable

With the policy that is offered through Furnished Quarters, guests have the option to insure all their belongings, and their liability, with rates as low as $1.56/day. This policy includes personal belongings, insurance coverage, premise liability, accidental damage, and bedbug remediation.

5. Most Short-term Rentals Don’t Automatically Insure You

Short-term rentals are not responsible for any damage or loss of personal items you bring with you. Therefore, it remains the guest’s responsibility to ensure the safety and protection of their assets.

Accidents can happen even in the best of circumstances. However, when you enroll in renter’s insurance through Furnished Quarters, you gain an added layer of security. With up to $15,000 worth of accidental damage coverage included, you can have confidence in the safety of your possessions during your stay. This coverage extends beyond your apartment, ensuring that you’re protected throughout your time in their accommodations.


Renter’s insurance covers your belongings – and you, whether that be in your apartment, car, or with you while on vacation. In addition, in the event, someone is injured in your home, or if you accidentally injure someone, renters’ insurance provides liability coverage. If your home-away-from-home for whatever reason becomes uninhabitable due to damages or other covered perils, your policy may even cover the cost associated with living somewhere else, food, and more. Here at Furnished Quarters, we have made the process as easy and seamless as possible for all of our guests – all you have to do is select “yes” when signing your lease to opt in for comprehensive renter’s insurance coverage.

Furnished Quarters is the premier supplier of short-term housing and an accredited LGBTQ+ diverse, privately owned and operated company.

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