Licensed In MD, PA, VA, WV, DC, OH

3 Decades of Experience


(301) 790-3304

Renters Insurance

Many people who rent a home or apartment are required by their landlord or property management company to obtain a renters insurance policy. Even when this is not required, a renters policy can be highly beneficial and may be considered as an affordable way to protect yourself against loss. With a closer look at what this type of coverage provides, you may decide to apply for coverage today.

What a Renters Policy Covers

Your landlord’s property insurance will cover damage to the structure that you are renting, but a fire, flood, or other disastrous events can also damage your personal contents inside the building. This may include your furniture, clothes, electronics, appliances, and other items. In many cases, a renter may have tens of thousands of dollars in personal property inside a dwelling, and many are not financially prepared to replace all items if they are lost in a disastrous event. A renters policy can reimburse you when you suffer a partial or total loss.

What Are the Benefits of Renters Coverage?

A renters policy can be customized specifically to meet your needs. Generally, you are permitted to adjust the amount of your coverage based on the value of your content. However, many insurance companies have upper and lower limits that your coverage needs to fall within. If you experience a loss, you simply file a claim and pay your deductible. The insurance company will then process the claim and issue the financial payment to you. You can use the proceeds to shop for new personal items. In this way, renter’s coverage is a cost-effective way to help you minimize the financial impact of a disaster.

Renters insurance is available to most individuals who rent their personal residence, and many insurance companies offer this type of policy. Some offer a discount if you bundle policies, and this can make this already affordable coverage even more affordable. Because the cost is rather minimal in most cases and the benefit can be significant if you need to file a claim, everyone who rents their home should consider getting a quote for renters coverage today.

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I’ve been with the Karlen Agency for over 25 years.  They’ve always gone above and beyond with their service, claims, and advice.  Highly recommend them.


I was looking for car insurance and met with James from the Geoffrey Karlen Agency, he was well informed and extremely patient in answering my numerous questions. Everyone from the GK Agency was helpful and I highly recommend them.

Amanda B.

James helped me set up a commercial insurance policy for my business. He is very helpful and my policy is not only less expensive than my old one, but the service is much better as well. I will be re upping next year and highly recommend anyone looking for a commercial policy give him a call!

Dustin Beruta

I switched to Nationwide for my homeowner’s insurance. James was extremely through and even told me about items that I did not have on my original policy that protect me as an owner during a catastrophe. The agency’s attention to detail and customer service is AMAZING! Thanks guys!

Kristin Salgado

My Agent James Van Kirk has been amazing. I switched to Nationwide for my renters insurance. James, and this Agency, is extremely thorough. The email updates regarding policy notifications are great for me since I’m always on the run. The agency’s attention to detail and customer service is why I’ll be staying and telling all of my friends about them.

Jason Washington

Its refreshing to know that professionals like my agent James are still in our area. As someone who gets to see many operations and practices, this office always exceeds my expectations and are among my favorite local professionals to do business with.

Mike DeLoso


(301) 790-3304


(301) 698-1686


(301) 334-1040


(301) 831-0223


(240) 422-8652


(304) 258-4251


(304) 754-5601

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