Massachusetts Renters Insurance, Tailored to You

Yes, your landlord’s insurance only covers the building itself, not your personal belongings. If there’s a fire, water damage, or theft, you’d be responsible for replacing your own furniture, clothes, electronics, and more. Renters insurance protects your property, provides liability coverage, and helps with temporary living expenses if your rental becomes uninhabitable. It’s affordable peace of mind for just a few dollars a month.

In Massachusetts, renters insurance typically costs between $10 and $20 per month, depending on your coverage limits, deductible, location, and whether you bundle with other policies. For less than the price of a weekly coffee run, you can protect thousands of dollars in personal property and avoid paying out-of-pocket for unexpected events like fire or theft.

A standard renters insurance policy typically includes:
Personal Property Coverage: Reimburses you if your belongings are damaged or stolen.
Liability Protection: Covers legal and medical costs if someone is injured in your home.
Loss of Use: Helps pay for hotel stays or temporary housing if your rental is unlivable due to a covered claim.
Medical Payments to Others: Covers small injuries to guests, regardless of fault.
Optional add-ons are available for high-value items like jewelry, electronics, or collectibles.

Renters insurance covers a lot, but not everything. Standard exclusions include:
Flood damage (separate flood insurance is required)
Earthquakes (also typically excluded unless added)
Infestations like bedbugs or rodents
Your roommate’s belongings (unless specifically added)
High-value items beyond certain limits (e.g., $1,500 for jewelry) without a scheduled property endorsement
We’ll help you understand where coverage stops and where optional add-ons make sense.

Absolutely! Most renters with pets can get coverage without an issue. Your renters policy can even include liability coverage in case your pet accidentally injures someone or causes property damage. However, some dog breeds may be restricted by certain insurance carriers. We’ll help you navigate options that work for your situation, whether you have a pug or a Great Dane.

Not automatically. Renters insurance only covers the named insured — you — and your immediate family members living with you. Your roommate will need their own separate renters policy to cover their belongings and liability. Sharing a policy is not recommended unless you're related, as claims and coverage can get complicated.

Yes, and it’s one of the easiest ways to save. Bundling renters insurance with your auto policy often results in a multi-policy discount from your insurance carrier. This not only lowers your premium but also simplifies billing and account management. At Oak Grove Insurance, we compare quotes across multiple top-rated carriers to find the best bundled value for you.