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Renters Insurance That Covers the "What Ifs"

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Affordable Protection for Your Belongings — and Your Peace of Mind

Even if you don’t own your home, your possessions still need protection. From apartments in Waldorf to townhomes in the DMV area, renters insurance offers an affordable safety net against fire, theft, water damage, and more. At First Insurance Group, we help tenants secure solid, budget-friendly coverage that fits their lifestyle — with the personal support that big-box carriers just can’t match.

Simple, Reliable Coverage for Renters Across Maryland and Beyond

What’s Included in Renters Insurance?

Personal Property Protection
 Covers your furniture, electronics, clothing, and valuables if damaged or stolen.

Liability Coverage
 Helps with legal costs and medical bills if someone is injured in your rental.

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Loss of Use
 Pays for hotel stays and other living expenses if your rental becomes uninhabitable.

Off-Premises Coverage
 Your belongings are covered even when you’re not at home — like when traveling.

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Replacement Cost Options
 Get reimbursed based on what it costs to replace your items today, not their depreciated value.

Coverage for Roommates
Add coverage for roommates if needed, depending on the policy and provider.

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FAQ

  • Is renters insurance required?

    We provide coverage for personal cars, trucks, SUVs, motorcycles, and classic cars.

  • What does renters insurance not cover?

    We compare multiple options from trusted providers to ensure you get the best coverage at the best price—without unnecessary extras.

  • How much does it cost?

    If you’re 65 or older or have certain qualifying disabilities, you may be eligible. Our experts can help you understand your options and choose the best plan.

  • What if I live with roommates?

    It depends on the provider and network. We’ll help you explore plans that include your preferred doctors and healthcare facilities.

  • Can I bundle renters with auto insurance?

    Private health insurance is purchased individually, while employer-provided plans are offered through your workplace. We can help you compare your options to see what fits best.

  • How do I file a claim?

    You can file online or through our office. We’ll walk you through it and make sure your carrier has everything they need.