Tenant Insurance

Even if you don’t own your home, your personal possessions and financial well-being still need protection. At Elliott Insurance Services, we offer comprehensive Tenant Insurance designed to cover what matters most—from your belongings to your personal liability.

What is Tenant Insurance

Tenant (or renter’s) insurance is designed for individuals who are renting a house, apartment, or suite. While your landlord’s policy covers the building itself, your own possessions and liability coverage are your responsibility. That’s where tenant insurance comes in.

Coverage Highlights:

Personal Property Protection

Coverage for your belongings—furniture, electronics, clothing, and more—with full replacement value, not just depreciated cost.

Liability Coverage

Protection if someone is injured in your rental unit, or if you’re found legally responsible for damage to the property (like water damage or fire).

Additional Living Expenses

If your rental becomes uninhabitable due to a covered event, we help cover temporary accommodations and daily living expenses while repairs are made.

Special Items? Let’s Talk.

Most tenant policies include “special limits” on certain high-value or recreational items, such as:

Be sure to ask us about additional coverage options to ensure everything you value is properly insured.

Benefits of Working with Elliott Insurance

Serving Maidstone and surrounding areas since 1980

Providing trusted insurance solutions with experience and dedication.

A proud part of the local business community

Committed to supporting local families, businesses, and industries.

Dedicated to personalized, friendly service

Helping you find the right coverage with expert, one-on-one guidance.

Why Tenant Insurance Matters

It’s a common misconception that renters don’t need insurance. But replacing your belongings or facing a liability claim without coverage can be a costly mistake. Tenant insurance is affordable, customizable, and gives you real peace of mind—without breaking the bank.

Call us today or request a quote online to get started.

Frequently Asked Questions

Is tenant insurance required by law?

No, but many landlords now require proof of insurance before signing a lease—and even when it’s not mandatory, it’s highly recommended.

Not automatically. Each tenant typically needs their own policy unless specifically named on yours. We can help you figure out the best setup for your household.

Tenant policies often have “special limits” for certain items. We’ll walk you through optional coverage add-ons to make sure everything important to you is protected.

It depends on how much you own and your liability risk. Our team can help you estimate the value of your belongings and recommend the right level of protection.