If you've ever been confused about which policy you actually need, you're not alone. Here's the short version, and the longer one.
What Home Insurance Covers
Homeowners insurance protects the physical structure of your home, your personal belongings inside it, liability if someone is injured on your property, and additional living expenses if you're displaced.
What Renters Insurance Covers
Renters insurance covers your personal belongings, liability, and additional living expenses — but NOT the building itself, which is your landlord's responsibility.
Cost Comparison
Renters policies typically run $15–$30/month, while homeowners policies average $100–$200/month depending on home value and location.
Which One Do You Need?
If you own, you need homeowners. If you rent, renters insurance is one of the smartest $20 you'll spend each month.
Priya specializes in personal lines and helps families across 12 states find right-sized coverage.