Renters Insurance

For Renters in Kentucky

Why Renters Insurance Matters

If you rent a home or apartment, your landlord’s insurance only covers the building — not your personal belongings. That means if something goes wrong, your furniture, electronics, clothing, and valuables could be left unprotected.

What Renters Insurance Covers

With renters insurance, you’re covered if your belongings are damaged or stolen due to:

  • Fire or smoke

  • Lightning

  • Theft or vandalism

  • Explosion

  • Windstorms

  • Water damage from plumbing issues

Note: Floods and earthquakes are not included, but separate policies are available if needed.

Coverage for Temporary Living Expenses

If a disaster forces you out of your home, renters insurance can help pay for:

  • Hotel stays

  • Temporary rentals

  • Restaurant meals

  • Other necessary living expenses

Coverage limits may vary by company, but this protection helps you stay comfortable while your home is being repaired.

Liability Protection

Renters insurance can also covers your legal responsibility if someone is injured in your home — or by you, a family member, or even your pet — whether it happens on or off your property. It can also help cover legal defense costs if you’re taken to court.

How Much Coverage Do You Need?

Start by adding up the value of everything you would need to replace — furniture, electronics, appliances, clothing, and more. Creating a quick home inventory with photos or videos (plus model numbers or receipts if available) can make filing a claim faster and easier.

Contact us Today!

Phone: (502) 412-1407

Email: kevin@bruceinsurancegroup.com

At Bruce Insurance Group, our mission is simple — to help you protect what matters most with fast, affordable insurance solutions that fit your life.