Coverage for your belongings, your liability, and the damage you didn’t mean to cause — bound online, with your policy documents emailed to you immediately.
Have your lease address handy. Coverage is subject to eligibility and carrier underwriting.
Before you buy anything: you may already be covered. Many homeowners policies extend personal property coverage to a full-time student living in a dorm, subject to conditions — typically that the student is a relative, under a specified age, and recently resided at the family home. How much coverage, and whether any liability comes with it, varies by carrier and by policy form.
Where that usually breaks down is off-campus housing. Once you’re renting an apartment or a house, most homeowners policies narrow sharply or stop entirely, and none of them cover the liability you now owe your landlord under the lease.
If you’re a parent and you’re not sure whether your homeowners policy already covers your student, send it over. I’ll read it and give you a straight answer, at no cost and with no obligation — including if the answer is that you don’t need to buy anything.
Three jobs. Most people only know about the first one.
Laptop, phone, tablet, textbooks, bike, TV, clothes, furniture. Covered against fire, smoke, theft, vandalism, windstorm, hail, lightning, water, weight of ice or snow, and falling objects — anywhere in the world, not just at home.
Settled at replacement cost, not the depreciated value of a four-year-old laptop.
If someone is injured in your apartment because of your negligence, this responds — including legal defense costs, medical payments to others, and claim expenses.
This is the piece your lease is almost certainly requiring you to carry.
The overflowing bathtub. The kitchen fire. The iron left face-down on the carpet. Damage you accidentally do to a building you don’t own is your financial problem, and it is not a small number.
This is the coverage that actually keeps people out of court.
If a covered loss makes your apartment uninhabitable, loss of use pays for somewhere else to stay — up to 20% of your personal property limit. It’s the coverage nobody thinks about until it’s the only one that matters.
This is the part an online-only quote won’t tell you. Renters policies cap certain categories well below your overall personal property limit. If you own something in one of these categories that matters to you, it needs to be scheduled separately.
| Category | Typical sublimit |
|---|---|
| Cash | $200 |
| Jewelry (theft) | $1,000 |
| Firearms (theft) | $2,500 |
| Silverware (theft) | $2,500 |
| Fine art, antiques, paintings | $1,000 |
| Business property in the residence | $2,500 |
| Business property away from the residence | $500 |
Theft is covered, but there generally must be evidence of forced entry and a police report on file. A break-in is a claim. Something disappearing from an unlocked apartment during a party is a much harder conversation. Worth knowing before you need it.
Engagement ring, instrument, camera gear, or anything else genuinely valuable can usually be scheduled — single items up to $15,000, with a total across all scheduled items up to $25,000. Appraisal or receipt requirements apply depending on value. Ask me before you bind and I’ll walk you through it.
Two things you should have in place, and one you probably don’t.
Send your tenants a single enrollment link. They bind in about five minutes and the full policy packet emails to them automatically — so the certificate comes to you instead of you hunting for it in August.
cadabraagency.com/renters — no cost to you, no contract on your end.
Most landlords never set this up, then find out a tenant’s policy lapsed three months ago. Being named as an additional interested party means you’re notified directly on cancellation or change.
One request does it — and it is worth submitting about a week before move-in rather than the day of. Call me and I’ll walk you through it.
New Jersey requires landlords to carry their own liability coverage at statutory minimum limits, and the requirement varies depending on whether the property is owner-occupied. A lot of owners are carrying limits set before the requirement existed. If you own rental property in NJ, that’s worth a fifteen-minute conversation — 856-283-4341.
No. Your landlord insures the building. There is no coverage under their policy for your personal belongings, and if you cause damage to the rental or to another unit, you can be held financially responsible for repairs.
Often not. Many homeowners policies extend personal property coverage to a full-time student living in a dorm, subject to conditions that vary by carrier — commonly that the student is a relative, under a specified age, and recently resided at the family home. What that extension does not reliably provide is liability coverage for a lease your student signed, and it frequently narrows or disappears once they move off campus. Send me your homeowners policy and I’ll tell you exactly what it does and doesn’t do.
The belongings side may matter less to you than you think — though add up your laptop, phone, bike, and clothes and the number usually surprises people. The liability side is the reason to carry it regardless. Legal defense costs, medical payments to others, and damage you accidentally cause to the property don’t scale down just because your furniture came from a curb.
Generally no. If four people signed the same lease, one roommate’s renters policy does not automatically protect everyone’s property or everyone’s liability. Each tenant should carry their own. Call me if your situation is more complicated than that — some arrangements can be structured differently.
Animal liability is included in most states, subject to a limitation — commonly $10,000. There is no restricted breed list. Damage your pet does to the rental unit itself is not covered by the base policy, though a limited amount of pet damage coverage can be added by endorsement in some states. Ask before you assume.
Immediately. The full policy packet emails to you as soon as coverage is bound, and you can forward it to the leasing office the same minute. You’ll need the exact lease address to complete the application.
These policies are placed through ePremium Insurance Agency, LLC, which is the agency of record. Address changes, endorsements, billing, document requests, and claims go directly to ePremium at 800-319-1390 or customercare@epremium.com. I’m still here if you want help understanding something — call me anytime — but the servicing itself runs through them.
Yes. Cadabra Asset Protection is an independent agency writing personal and commercial lines across New Jersey and Pennsylvania — homeowners, auto, landlord and rental property, contractors, bonds, and more. If renters is the start of the conversation, it doesn’t have to be the end of it.
Have your lease address ready. Most people are covered and have their documents in hand before they finish their coffee.
Cadabra Asset Protection LLC is a licensed independent insurance agency serving New Jersey and Pennsylvania. Michael Lindner Jr., licensed insurance producer.
Renters coverage offered through this page is placed through ePremium Insurance Agency, LLC (NPN 9925625), which acts as the agency of record on the policy and is responsible for servicing it. Policies may be underwritten by Century National Insurance Company, Spinnaker Insurance Company, or Trisura Insurance Company. Cadabra Asset Protection LLC receives compensation in connection with policies placed through this link.
Coverage descriptions on this page are general summaries provided for informational purposes only. Actual coverage, limits, sublimits, exclusions, and availability are governed solely by the terms of the issued policy and vary by state and underwriting company. This page is not an offer of insurance and is not a guarantee that coverage will be issued. All coverage is subject to eligibility and carrier underwriting approval.
Nothing on this page is legal advice, and no attorney-client relationship is created by its use or by contacting this agency for insurance services.
