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Renters Insurance – Protection for What’s Inside Your Home

You may not own the building, but everything that makes it home — your furniture, electronics, clothes, memories — is yours to protect.

At OGI (Online General Insurance), we offer affordable, flexible renters insurance that covers your belongings, your liability, and your peace of mind — without the hassle or high cost.

Think You’re Covered by Your Landlord? Think Again.

  • Fire, smoke, or water damage in the unit above you? You're on your own without renters coverage.
  • Someone slips and falls during your dinner party? That liability is yours.
  • Theft, vandalism, or break-ins? Your landlord isn’t responsible for your losses.

What OGI Renters Insurance Covers

  • Personal Property – Furniture, electronics, clothing, appliances, tools, decor
  • Liability Protection – If someone is injured in your rented space
  • Guest Medical Payments – Small injuries, big peace of mind
  • Additional Living Expenses – Hotel stays if your unit becomes uninhabitable
  • Theft Protection – At home, in your car, or while traveling

Why Renters Insurance Is a Smart Move

  • Average cost: as little as $12/month
  • Required by many landlords and lease agreements
  • Helps you rebuild your life after theft, fire, or disaster
  • Protects you legally from accidents or damages caused in your unit

Why Most Renters Skip It (and Regret It Later)

  • Believing their landlord’s policy protects their stuff (it doesn’t)
  • Thinking it’s too expensive (it’s not)
  • Not realizing coverage extends beyond the walls of their home (it does)
  • Waiting until after a loss to consider it (too late)

How It Works

Complete a quick quote form — we’ll ask about your unit, valuables, and location

Choose your coverage limits and deductible

Activate your policy in minutes and get digital proof instantly

You Rent the Space — But You Own the Responsibility

Accidents happen. Break-ins happen. Fires happen.
 But with OGI, you won’t face them alone.

OGI Renters Insurance – Small Cost. Serious Protection.

Get My Renters Quote
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