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Complete protection
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Renters face real exposures your landlord's policy will never cover — your belongings, your liability, hotel costs if you're displaced, and medical bills if a guest gets hurt. A policy built by Vanderbeck Agency closes every gap.

• Personal Property

  Replaces furniture, electronics, clothing, and other belongings if stolen, damaged, or destroyed by a covered loss.
• Personal Liability

  Covers medical and legal costs if someone is injured inside your unit, or if you accidentally damage someone else's property — often the biggest gap in renter coverage.
• Loss of Use (ALE)

  Covers hotel and living expenses if your rental becomes uninhabitable after a covered loss — fire, smoke, or water damage.
• Theft & Off-Premises Coverage

  Protects belongings stolen from your home — and also when you're away. Your laptop in your car or your bike on the street stay covered.
• Water & Smoke Damage

  Covers damage from upstairs leaks, burst pipes, fire, and smoke — common renter claims that landlord policies leave you to absorb.
• Medical Payments to Others

  Covers minor medical bills if a guest gets injured in your unit — regardless of fault. Stops small accidents from becoming lawsuits.
• Replacement Cost Coverage

  Pays the actual cost to replace your stuff — not the depreciated value. Often the difference between $200 and $1,000 on a five-year-old TV.