Renters insurance in Cincinnati and surrounding areas.

As a renter, you want to make sure that your many valuable possessions are taken care of, and won’t be damaged, stolen, or lost in an accident. There’s always some risk involved with renting, so it’s important to have financial protection for your appliances, electronics, jewelry, and expensive items.

At RJL Insurance, we provide the insurance that best matches your situation. We serve the entire Cincinnati area, providing the products you need to care for your personal property. Contact us today to consult with an insurance expert. We’ll answer any concerns and help you find the best policy for you.

How Does a Renters Policy Help Me?

A renters insurance policy provides coverage for all the personal items you have in your rental. If someone steals anything of yours from the property, you’ll get the money needed to replace the items. It can also protect you in events like fires, storms, earthquakes, and other catastrophes. The cost will depend on the coverage you desire, but it’s enough to give you peace of mind even when you’re away from home.

Depending on your plan, you can get partial or complete value coverage. That means that when you apply for the claim, we’ll pay you the replacement cost of the items. You can set up the policy so that no depreciation factors are in the computation.

One advantage of renters insurance is that you can add coverage for the people living in the rental. You can experience protection for you, your family, or any fellow renters. It’s also possible to add coverage for visitors and guests at your home. Some of the features you can include are:

  • Litigation protection
  • Bodily injury coverage (hospital bills, other medical expenses)

You are in control of the insurance plan you want to have. Contact us today and discuss the variety of options available as a part of your renters’ policy. RJL Insurance has the best options to protect the things and people you love.

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.

What Events Can a Renters Insurance Policy Cover?

Most of the common threats and dangers that rental properties face is a part of renters insurance coverage. From there, you can customize your policy so that it suits your preferences. You can even add to the policy by ensuring that there is an umbrella that can catch any unexpected occurring event. Some of the things that our clients usually want to be included in their policy are:

  • Electrical fires and shortages
  • Smoke and fires
  • Vehicular or aircraft crashes
  • Fireplace mishaps
  • Lightning strikes
  • Vandalism
  • Theft
  • Falling objects
  • Water damage

Like other insurance, your chosen options will dictate the price of maintaining coverage. Having a policy assures you have everything you’ll need, even in the event of a loss. Contact us today and inquire about the different renter’s insurance plans we have in RJL.

Renters Insurance Best Practices

One of the most crucial things to remember with renters’ insurance is that you need documentation. For example, if you’re processing a personal property claim, you’ll have to provide accurate values for the affected items. To help make this valuation process easy, ensure you store your receipts and have a good idea of your items’ market value.

To keep accurate records, you may want to keep an inventory or list of your items, as well as printed and digital copies of your receipts. You can also keep photographs and videos stored on your phone or elsewhere.
To protect your items from the elements, getting something like a fireproof box will increase the odds of their survivability. You can also opt to store these documents at a safer location, like a safety lock box at your nearest bank.
When you do this, processing a claim can take less time. By documenting your items, you’ll have fewer headaches to deal with when an unexpected event occurs.

Also, make sure to consider added insurance options. If you need more coverage, don’t hesitate to discuss your concerns with us. We’ll be able to find a plan that matches what you desire.

Types of Claims

There are two main ways of claiming payments to replace lost items. The most common way is through a replacement cost. The replacement cost will consider the price of the brand-new ones. For example, to replace your old stove, your insurance company will look at the current market price to determine the replacement cost.

The same goes for repairs. The payment will include how much is needed to provide comparable material and quality to the finish. While replacement costs give a more assured value, they also come with higher premiums.

The second way is through actual cash value or ACV. While some places refer to it as fair market value, it will depend on your agreement with your policy. In some cases, the ACV can be beneficial, especially if you hold items of exceptional value. However, there is also a possibility that you can get a lower value when considering depreciation.

When considering the type of claim you want in your policy, the best option is to consult with an insurance expert from RJL.

RJL Insurance: Providing the Cincinnati Renters Insurance You Need

Renters insurance is a must for anyone concerned about protecting the value of the items inside their rental home. It can cover you from financially devastating events, such as injuries or litigation. With RJL, you can get a plan that covers all your bases, providing much-needed peace of mind.

Contact us today and learn more about our offerings. Our goal is to help the residents and businesses of Cincinnati get the best coverage possible. Let us work with you and find a plan that suits your needs and budget.

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.
  • This field is for validation purposes and should be left unchanged.

RJL Insurance Group offers comprehensive renters insurance with strong roots in Cincinnati and the ability to conduct business in Ohio, Indiana, Illinois, Kentucky, Michigan, Texas, South Carolina, North Carolina, Pennsylvania and Mississippi.