Renters Insurance in Massachusetts

Your landlord’s policy covers the building—not your belongings or liability. Vargas & Vargas Insurance helps Boston-area renters protect electronics, furniture, clothing, and more while providing liability and temporary housing after a covered loss—often for less than the cost of streaming services each month.

Understanding Coverage & Smart Add-Ons

Personal Property (Replacement Cost)

Replaces belongings at today’s prices, not depreciated values.

Personal Liability

Covers injuries or property damage you’re responsible for, in or away from your apartment.

Medical Payments to Others

Small benefit for guest injuries without proving fault.

Loss of Use

Pays for hotel and meals if a covered loss forces you out.

Water Backup

Adds protection for backed-up drains or sump overflow—helpful in garden-level units.

Identity Fraud Expense

Assists with certain costs after identity theft.

Scheduled Property

Higher limits for jewelry, instruments, or collectibles.

Roommates & Additional Insureds

Guidance on setting up separate policies for unrelated roommates.

Bundle for Savings

Pair renters with auto for meaningful discounts and a single bill.

Discounts & Savings Opportunities

  • Bundle with auto
  • Monitored alarms and sprinklers
  • Claims-free renewal credits
  • Higher deductible to trim premium

Why Work with an Independent Dorchester Agent?

We compare multiple carriers, explain lease requirements, and issue proof of insurance fast—so move-in is smooth and coverage is clear.

City-Living Considerations

Shared laundry rooms, package rooms, and bike storage can change risk—let’s match endorsements to your building.

Frequently Asked Questions About Massachusetts Renters Insurance

  • What is renters insurance and what does it cover?

    Renters insurance protects you and your belongings—not the building itself. A standard renters policy typically includes:

    • Personal property coverage (for things like furniture, clothing, electronics, etc.)
    • Liability protection (if someone is injured in your rental)
    • Loss of use (covers temporary housing if your rental becomes uninhabitable)
    • Medical payments to others

    Even if your landlord has insurance, it does not cover your personal belongings—that’s why renters insurance is essential. Have questions? Contact our office to get started.

  • Is renters insurance required?

    It’s not required by law, but many landlords require it as part of your lease agreement. Even if it’s not required, renters insurance is one of the most affordable ways to protect your finances and belongings.

    Need to check if your lease includes a renters insurance requirement? Reach out to us—we’ll walk you through it.

  • What does renters insurance not cover?

    Renters insurance does not cover:

    • Structural damage to the building (your landlord’s policy covers that)
    • Damage from flooding or earthquakes (you’ll need separate policies for those)
    • Roommate’s property (unless listed on your policy)
    • Pest infestations or normal wear and tear

    Not sure what’s excluded? Call us directly and we’ll help you understand the fine print before you buy.

  • How much renters insurance do I need?

    That depends on the value of your personal belongings and how much liability protection you want. Most policies start around $20,000 to $30,000 in personal property coverage and $100,000 in liability.

    Contact us and we’ll help you calculate the right coverage based on your lifestyle and possessions.

  • Is renters insurance expensive?

    Not at all—most renters insurance policies cost between $10–$25 per month. It’s one of the most affordable types of insurance and can save you thousands if something goes wrong.

    Want a quick quote? Call or email us, and we’ll get you covered in minutes.

  • Does renters insurance cover my belongings outside my apartment?

    Yes! Most policies cover your belongings anywhere in the world—so if your laptop is stolen at a coffee shop or your suitcase goes missing while traveling, you’re likely covered.

    To make sure your policy includes this feature, reach out to our agency and we’ll confirm your protection.

  • How does renters insurance help me in the future?

    By purchasing a renters insurance policy now, you start building a history with property insurance, which can benefit you when you apply for homeowners or condo insurance later.

    From an underwriting standpoint, this history can lead to better rates, smoother approvals, and stronger eligibility.

    Think of it as a smart financial foundation. Contact us to get started—it only takes a few minutes.

  • What happens if someone gets hurt in my rental unit?

    Your renters insurance includes personal liability coverage, which can help pay for medical bills, legal fees, or damages if someone is injured in your home.

    Need help understanding how much liability protection is right for you? Give us a call—we’ll guide you based on your risk and lifestyle.

  • Do I need renters insurance if I live with roommates?

    Yes—but renters insurance only covers the person named on the policy. If you have roommates, each person should get their own policy. Some insurers allow adding roommates, but this can complicate claims.

    To avoid confusion and ensure proper coverage, contact our team and we’ll help set up a policy that’s right for your living situation.

  • How do I file a renters insurance claim?

    If something happens:

    1. Report the incident to your landlord (if applicable)
    2. Document any damage or loss with photos or videos
    3. Call us first—we’ll help you start the claims process and advocate on your behalf with the insurance company

    Starting with our agency ensures nothing is missed and your claim is handled efficiently.


Phone and envelope icon, contact information.

Let’s Put Renters Coverage in Place

Give us your address and move-in date—Vargas & Vargas Insurance will set up an affordable policy with proof for your landlord.