Do I Need Renter’s Insurance?
Protect what matters most.
Protect what matters most.
Renter’s insurance protects what landlords don’t: your things.
Affordable renter’s insurance coverage can bring lasting peace of mind.
Pairing a security system from Arlo with renter’s insurance can help you breathe easy, knowing your belongings are protected.
When you rent your home, your landlord’s insurance typically covers the building, but not your personal belongings. That’s where renters insurance comes in. Arlo knows that protection is about more than just locks and alarms: it’s about peace of mind. While security systems help stop break-ins before they happen, renters insurance provides peace of mind when the unexpected occurs.
Renters insurance is a policy designed to protect tenants who live in apartments, condos, or rental homes. It provides financial protection against losses caused by theft, fire, vandalism, water damage, or other unexpected events.
Unlike a landlord’s insurance policy, which covers the physical structure of the property, renters insurance focuses on you: your belongings, your liability, and your ability to recover after an incident.
Think of it as a personal safety net that ensures you’re not left paying out of pocket if something goes wrong. Whether a kitchen fire damages your furniture or your laptop is stolen while you’re out, renters insurance helps you bounce back quickly.
Renters insurance is typically made up of three main components:
This covers the cost of repairing or replacing your belongings if they’re damaged or stolen. That includes:
Most policies protect against risks like theft, fire, vandalism, smoke, and water damage (excluding floods or earthquakes unless you add extra coverage).
If someone is injured in your rental, for example, slipping on a wet floor, renters insurance can help pay for medical expenses or legal fees. It also covers accidental damage you might cause to someone else’s property, like a leak from your apartment affecting a downstairs neighbor.
If your home becomes uninhabitable due to a covered event, ALE helps pay for temporary housing, meals, or transportation while repairs are being made.
Together, these protections ensure that no matter what life throws your way, you’re not left unprotected.
Many renters assume they’re covered under their landlord’s policy, but that’s rarely the case. A landlord’s insurance only protects the building, not your personal items. If a break-in, fire, or water leak damages your belongings, renters insurance can help you recover what you’ve lost without lots of out-of-pocket costs.
It’s a small monthly investment that can save you thousands in the long run, and it works even better when paired with a strong home security system from Arlo.
Installing a home security system in a rental not only helps deter burglars but can also lower your insurance premiums. Most insurance providers offer discounts for renters who use monitored alarm systems, smart locks, or surveillance cameras.
Security technology like cameras and video doorbells can:
We believe that renters insurance and home security should work together — one reduces your risk, and the other minimizes the impact if something goes wrong.
Even with these benefits, some renters hesitate to get insurance. There are lots of misconceptions about this kind of insurance:
Renters insurance and a reliable security system in a rental are two of the smartest investments a renter can make. Together, they provide proactive and reactive protection — keeping you safer, saving you money, and giving you confidence that you’re covered from all angles. By subscribing to Arlo Secure, you maximize your security experience thanks to AI-powered alerts and tools that can help you act quickly during an emergency.
If you’re ready to enhance your peace of mind, explore how Arlo’s security cameras and Home Security System can complement your renters insurance today.
