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Renter’s Insurance in MD, VA, WV, & PA

Life is full of unexpected twists and turns. These events could cost you big time, and if you do not own your home, you risk financial ruin. 

In fact, many landlords and property managers require new tenants to have renter’s insurance before they sign a lease. Without this coverage, you are not only at risk of acquiring expenses you cannot afford, but you also limit your housing options. 

For the best renter’s insurance on the East Coast, call Antietam Insurance!

Our experienced agents work with you to create an individualized plan that is both affordable and comprehensive. Protect yourself from losses caused by fire, water damage, burglary, and more.

How can renters insurance protect you?
Use the yellow hot spots and explore how renters insurance can help protect against common risks.
Personal Property
Risk Factor

Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.


Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.

Limits and Exclusions
Risk Factor

Some types of personal property are subject to limits of coverage under renters insurance policies. These limits vary by the type of property and by what caused the loss or damage. For example, jewelry, bicycles, collectible cards, and coins may have limited coverage or may not be covered.


Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.

Additional Living Expense
Risk Factor

If the building you live in has a loss from a covered peril under your renters insurance policy that makes your apartment or home uninhabitable, you will need to find somewhere else to live while the repairs are undertaken. This can be expensive and inconvenient.


Be sure your insurance policy includes additional living expense coverage. If you need to move out and rent another location, this coverage provides for the increase in living expenses–such as moving costs, increased food costs, and other expenses.

Risk Factor

You are responsible if you or a guest in your unit trips and falls or sustains an injury while on your property.


Be sure that you have adequate liability insurance to protect for claims made against you for bodily injury or property damage – such as a slip and fall or other allegation. Liability coverage also provides protection should you become legally liable for unintentional bodily injury or property damage anywhere in the world.

Medical Expenses
Risk Factor

You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.


Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.

Risk Factor

You may not be able to rent the apartment or home if your landlord or property manager requires renters insurance and you do not have it.


Having a renters insurance policy allows you to provide a certificate of insurance to the landlord or property manager showing that you have the coverage required to rent the apartment or home.

Improvements or Betterments
Risk Factor

Any improvements or betterments that you have made to your unit are subject to damage.


Be sure to obtain coverage for improvements or betterments that you have installed in your apartment or home.

Contents Away from Home
Risk Factor

You may take your valuable property outside of your unit. For example, what happens if your laptop or golf clubs get damaged or stolen while traveling?


Be sure to add off premises theft coverage to your policy to cover your personal property while your belongings are away from your home. Auto insurance does not usually cover personal property stolen from your car.

Premises Liability
Risk Factor

You may be responsible for damage to your apartment or dwelling should you, for example, have a leaking sink or accidentally start a fire.


Be sure your policy has liability coverage that includes tenants legal liability or premises liability. Your landlord may require that you to have this type of insurance protection in place as a requirement before renting the property to you.

Your landlord will be responsible for damage to the building itself, but your personal insurance can help cover:

  • Liability costs
  • Premises liability
  • Additional living expenses
  • Contents away from home
  • Betterments coverage
  • Medical expenses
  • Personal property
  • And more!

As a full-service independent agency, we prioritize our clients, not the major insurance companies. We act as your personal risk advisor and financial advocate. Our helpful agents can give you the peace of mind that you’re receiving the best coverage for the lowest price. 

We are proud to have served Maryland, Pennsylvania, Virginia, and West Virginia since 1957! 

Let us walk you through your options with a no-cost, no-obligation phone call. Contact Antietam Insurance today to learn more about our renter’s insurance policies!

Let’s discuss your renters insurance.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate renters insurance solution. There’s no obligation, just good-old-fashioned advice.
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Antietam Insurance Associates, Inc. offers comprehensive renters insurance in Hagerstown and Boonsboro, Maryland and in Martinsburg, Falling Waters and Inwood, West Virginia ; also throughout Pennsylvania, including Greencastle, Waynesboro, Chambersburg and Mercersburg.
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