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    Tenants don’t own the buildings they live in, but they’re still exposed to a variety of potential risks. Possessions can be damaged or stolen, and tenants themselves can be named in liability lawsuits. Tenant or Renter’s insurance policies also provide tenants coverage not afforded to them by the landlord’s policy.
    • College students who rent an off-campus house or apartment
    • Residents of other states who have a part-time residence in Massachusetts
    • Young professionals saving for their first home purchase

    What is Renters Insurance?

    Tenants don’t own the buildings they live in, but they’re still exposed to a variety of potential risks. Possessions can be damaged or stolen, and tenants themselves can be named in liability lawsuits. Tenant or Renter’s insurance policies also provide tenants coverage not afforded to them by the landlord’s policy.

    Renters insurance provides a range of important protections, yet many tenants don’t safeguard themselves with a policy. According to the Insurance Information Institute, just 37 percent of tenants have a renter’s policy. The other 63 percent are left exposed to losses generally covered by personal policy protections.

    Talk To An Insurance Professional

    Who in Massachusetts Needs a Renters Policy?

    All individuals that pay rent in Massachusetts should have a Tenant policy. This includes residents, who lease their permanent living space, as well as:

    • College students who rent an off-campus house or apartment
    • Residents of other states who have a part-time residence in Massachusetts
    • Young professionals saving for their first home purchase
    • Employees with temporarily leased residence while on a working on assignment

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    TESTIMONIALS

    Customers Love Us

    • I love Paul Murphy insurance. I have been a customer since 2004 upon first getting my license. I wouldn't dream of working with any other insurance agency. Paul Murphy insurance as far as I'm concerned is part of my family. I do more personal registration and insurance transactions through them per year then any normal sane human being should be a part of. They have known me on a first name basis for quite a while and know exactly what it means when I walk in the door. They have been above & beyond helpful and I've learned so much from them. I'll bet my bottom dollar when they see this review they'll know who this is. Have a wonderful day Paul Murphy crew you'll probably see me in about 2 months.

      Sikla wolfy, Google Review

    • We had an absolutely fantastic experience with this company. They truly are a one-stop-shop, sorting out every single thing from car and house insurance to even managing the process of getting our plates directly from their office. This is an excellent, all-encompassing business; you simply can't go wrong choosing them. They are our exclusive insurance provider in New England.

      DC, Google Review

    • I've been with Paul T Murphy since 2005. My home, car and business liability insurance has gone through this agency. I've had a series of unfortunate matters over the past 2 years and they've helped me every step of the way. Stephanie is my usual point of contact. She is encouraging, caring and extremely informative. She always gets me the answers I need. Whatever help I need, she is always willing to provide support and instruction. Most importantly, she cares. She often just asks how things are going and provides warm customer service.

      Nika Hollingsworth, Google Review

      Winchester, MA

    • I have been with Paul T. Murphy insurance for years. I have recommended several friends and family members who are very happy with this company. We have our home ins., Liability ins., commercial vehicle coverage and also our personal auto coverage. Just recently my husband was involved in an accident and I was getting no where with the insurance carrier so I called Greg. He did everything he could for us. In the end it worked out due to him and all his hard work. I have also worked with Brian and Du on numerous occasions. They have always worked so hard at getting us the best insurance coverage for a best rate. The customer service there is a 5 star!

      Erin McCabe, Google Review

    • Paul T Murphy Insurance is like having a team of friends in your corner who are always there when you need them. The entire staff is genuinely sincere and incredibly responsive, especially my agent, James. He’s a total pro—always on top of things, super informative, and makes everything easy. Whether it’s a quick question or something more urgent, they’re always ready to help. Can’t recommend this group enough for all your insurance needs!

      Pat McCarthy,Google Review

    • I’ve been a customer of Paul T Murphy Insurance for almost 20 years and have never had to worry about my insurance needs because they always go above and beyond. The staff are incredible and work tirelessly to ensure that they do their very best to support each and every one of their customers. I’ve never encountered a more helpful staff that work around the clock to get the best rates and ensure their customers are happy and taken care of with the best coverage!

      Lindsay Porziella, Google Review

    • James at Paul T. Murphy insurance company was amazing to work with! He helped my husband and me out with our auto and home insurance and was able to save us money for a better policy than our current provider. He was prompt to respond and answered all of our questions! I am so impressed with his knowledge and expertise in the insurance industry! Thank you James

      Ashleigh Cregan

    • Paul Murphy Insurance is the best. The people I've had the pleasure of dealing with were professional, helpful, friendly, made sure that all my questions were answered, and were able to find the best policies for my needs. Most recently, Stephanie, went above and beyond to take care of my issues. I definitely recommend them.

      Jessie Bowen

    • Paul Murphys is the best of the best! Steph is amazing and so sweet! I got into an accident last year and she was there to help with any questions I had and always called to keep me updated and keep in the loop with everything. She makes sure I get the best deal and on top of it all

      Anna Marguerite

    • I’ve only been working with Paul T. Murphy insurance for a short time and I can say with confidence, I made the right choice by choosing their agency. My agent Mike Kulch has been extremely helpful, informative, and always follows up quickly. Sherri in customer service has also been great to work with. As soon as I answered her questions and sent my documents I had a quote within minutes. Thank you Mike and Sherri for helping me lower my home owners insurance

      Ashlyn Tuffy

    Renters Insurance Massachusetts

    What Coverages Are Included in Renters Policies?

    The three main coverage types provided by a Renters policy are Personal Property coverage, Personal Liability coverage and Loss of Use coverage. Each of these coverages provides distinct protections:

    • Personal Property, protects belongings that are owned by a tenant.  This may be a wide range of items. Tenants personal contents such as clothing, furniture, electronics and even books are among many possible belongings covered.
    • Liability Insurance, helps shield tenants from certain liability suits arising from bodily injury or damage to someone else’s property.
    • Loss of Use, provides coverage for a tenant that may incur additional living expenses if displaced due to a covered loss.

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    Do Renters Policies Cover Physical Structures?

    Renters policies don’t provide coverage for physical buildings or structures. Since landlords own the buildings that tenants live in, Renter’s policy are not required to cover the dwelling itself.

    What is an HO-4 Form Policy?

    Massachusetts’s residents live in many different housing situations, and insurers offer a range of home insurance policies. These home insurance policies are identified by a standardized abbreviation beginning with the letters “HO.” The Renter’s Policy Form is referred to as an HO-4 Form policy.

    Renters Insurance Massachusetts

    How Can Tenants Get Renters Insurance?

    Navigating all of the available Renters coverage can be frustrating.  Determining how much coverage you need and locating a policy that meets those needs isn’t as simple as one might imagine.  Our agents have the knowledge to help you define the appropriate coverage levels, as well as locating an affordable policy.  Our Personal Lines Insurance agents may even be able to secure additional discounts on your premium by combining your Tenant policy with your Auto policy!

    Get Free Renters Insurance Quotes!
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    Paul Murphy Insurance • 628 Broadway, Rt 99 Malden, MA 02148 • 781.321.9700


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    This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.

     

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