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O'Donnell Agency LLC

416 Centennial Ave
Cranford, NJ 07016

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  • Amtrust
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Insurance Blog

Q & A About Renters Insurance Coverage

Here at the O’Donnell Agency LLC in New Jersey, we know that many people rent apartments, condos, and homes. That’s why we’re here to answer the top questions people have about renters insurance.


Question #1: I rent but don’t own. Do I still need insurance coverage?

Answer: Many property owners and landlords require tenants to carry renters insurance. This protects you as a renter because if catastrophe strikes, this coverage can help you replace your personal belongings. Should the residence become uninhabitable, your policy may also cover loss of use coverage to help with expenses while the property is being repaired. Renters insurance also helps cover legal expenses should you be sued due to a non-resident getting injured on the property. You’ll also enjoy protection for your possessions when traveling.

Question #2: Is my rental unit covered by the owner’s insurance policy?

Answer: No, the owner or landlord’s insurance only covers damage to the property or building, but not any type of liability in the unit or your personal property. Having renters insurance also protects you should damage to the property affect the entire building, such as a fire that could leave you held liable by the landlord.

Question #3: I have roommates. Do we need individual renters’ policies?

Answer: You’ll want to get a solid answer from your agent. For the most part, it’s ideal if all roommates share one policy. However, this could lead to contention should a reimbursement scenario be necessary. It is possible for each person to get their own coverage if desired.

Question #4: I run a small business out of the home. Are my business inventory and tools covered by renters insurance?

Answer: Yes, but within certain monetary limits. Should your stock and work tools exceed reimbursement amounts, consider getting a home business insurance policy, too.

Need Renters Insurance? Call O’Donnell Agency LLC in New Jersey

We cover a wide range of states, ranging from the Northeast to the Deep South. Contact us today to get a free quote on renters insurance from a wide range of our policy carriers.

Servicing States

  • New Jersey
  • New York
  • Pennsylvania
  • Connecticut
  • Delaware
  • Maryland
  • Georgia
  • Michigan
  • Texas

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Print out your auto ID cards from home, anytime!