Renter

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Renter Insurance For The Way You Live

Your landlord insures the apartment building, condominium or home you live in, but it’s up to you to protect yourself and your personal belongings. For less than a dollar a day, a Franklin Mutual Insurance renter policy can cover:

  • Your personal property – anywhere in the world
  • Legal liability for injury or property damage to others
  • Improvements to your rental property for which you are responsible
  • Additional living expenses should your unit become temporarily unlivable due to a covered loss

Less Exclusions, More Coverage

Our renter insurance policies clearly state in writing exactly what is excluded from coverage; losses from any other causes are covered. It’s that simple. In addition, your personal property is written on a replacement-cost basis, meaning you’re reimbursed for what it costs to buy new regardless of depreciation due to age or wear and tear.

Money Saving Discounts

You may be eligible for renter insurance savings with discounts for:

  • Customer loyalty
  • Alarms and alarm systems
  • Mature homeowner (Age 55+)
  • Higher deductibles

In addition, FMI homeowner policyholders may be eligible to receive a FREE Roost Smart Water Leak and Freeze Detector. The wireless leak detector is designed to sense water leaks, humidity or freezing temperature situations, and deliver smartphone alerts via the Roost mobile app to help minimize damage and ensure peace of mind.  The device sets up in less than five minutes and can be easily located in places around the home that are most prone to water leaks such as near hot water heaters, sump pumps, washing machines, sinks, toilets, dishwashers and refrigerators.

 Enjoy special partner discounts on additional Roost Smart Leak Detectors and Smart Batteries here.

Customize Your Coverage

Franklin Mutual Insurance offers a wide variety of coverage enhancements that give you the flexibility to build your renter policy on your terms, including:

Franklin Mutual’s home insurance is available exclusively through a select group of local professional independent insurance agents who understand your specific needs and can personalize a policy for the way you live.