Renters Insurance
Affordable Protection for What Matters Most
Renters insurance is one of the most affordable ways to protect your belongings and your peace of mind. At Patriot Insurance Solutions, we help tenants secure renters insurance that covers more than just furniture—it covers your financial future. Whether you’re leasing an apartment in downtown Chattanooga, a duplex in Red Bank, or a rental home in Cleveland, TN, we’ll help you find a policy that fits your needs and budget. As independent agents, we work with top carriers to compare coverage options and get you competitive rates, all without the hassle.
Why Every Renter Needs Coverage
It’s Not Just About Stuff
Your landlord’s insurance covers the building—not your personal belongings. Renters insurance ensures that if your clothes, electronics, or furniture are damaged by fire, smoke, theft, or even burst pipes, you’re not paying out of pocket.
Personal Liability Coverage
If a guest gets hurt in your rental or you accidentally cause damage to someone else’s property (like a kitchen fire that spreads to the neighbor’s unit), renters insurance helps cover legal and medical costs—often up to hundreds of thousands in protection.
Temporary Living Expenses
If a covered event makes your rental uninhabitable, renters insurance can pay for hotel stays, meals, and other temporary costs while your apartment is being repaired. It’s called “Loss of Use,” and it’s built into most standard policies.
Coverage Travels With You
Whether your laptop is stolen from your car in Lookout Mountain or your suitcase goes missing on a trip out of state, your policy may help reimburse the loss—even when you’re away from home.
It’s More Affordable Than You Think
Most renters insurance policies cost less than $20/month. With multi-policy discounts (like bundling with your auto insurance), it can be even lower.
What Renters Insurance Covers
It’s Not Just About Stuff
Your landlord’s insurance covers the building—not your personal belongings. Renters insurance ensures that if your clothes, electronics, or furniture are damaged by fire, smoke, theft, or even burst pipes, you’re not paying out of pocket.
Personal Liability Coverage
If a guest gets hurt in your rental or you accidentally cause damage to someone else’s property (like a kitchen fire that spreads to the neighbor’s unit), renters insurance helps cover legal and medical costs—often up to hundreds of thousands in protection.
Personal Property Protection
Covers your belongings—furniture, electronics, clothing, and more—from covered perils like theft, fire, smoke, vandalism, or water damage from plumbing failures.
Liability Insurance
Covers legal fees, damages, and medical expenses if you’re found responsible for injuries or property damage to others.
Guest Medical Payments
Pays for minor injuries that happen to visitors in your rental space, regardless of who was at fault.
Loss of Use
Covers additional living expenses like hotel bills and restaurant meals if you have to temporarily move out due to a covered claim.
Optional Add-Ons
You can customize your policy with scheduled personal property (for high-value items like jewelry or instruments), identity theft coverage, or even pet liability if needed.
Smart Reasons to Bundle and Save
Combine Renters and Auto for Extra Value
When you bundle renters insurance with your auto insurance, you may qualify for significant discounts. It’s also easier to manage when everything’s in one place. (Link to
Auto Insurance page)
You May Already Be Eligible for Discounts
Ask about price breaks for smoke alarms, monitored security systems, being claims-free, or paying annually instead of monthly.
Keep Coverage Up to Date
Bought new furniture? Added electronics? We’ll help make sure your policy reflects your current lifestyle so you’re fully protected.
Renters Insurance FAQs
Do I really need renters insurance if my landlord has coverage?
Yes. Your landlord’s insurance protects the building—not your personal belongings or liability. Renters insurance fills in those important gaps.
How much renters insurance coverage do I need?
Start by estimating the value of your belongings—think furniture, electronics, clothing, and personal items. Most policies offer $20,000–$30,000 as a base amount, but we’ll tailor it to your needs.
Does renters insurance cover roommates?
Generally, no—each tenant should have their own policy. Some insurers allow co-tenants on the same policy, but it depends on the provider. We’ll help clarify your best option.
What’s not covered by renters insurance?
Flooding, earthquakes, and pest infestations typically aren’t covered by standard renters policies. We’ll explain your options for additional coverage if needed.
Can I get renters insurance if I have pets?
Yes, and in many cases, your policy can even include liability coverage if your pet causes injury or damage. Some breed exclusions may apply, so we’ll help navigate the fine print.