Renters Insurance

Renters Insurance

Why is it Important?

Most landlords require tenants (renters) to have a renter’s insurance policy in place before you can occupy the unit. Considering that you could lose all your possessions due to a neighbor’s carelessness, the relatively low cost of renter’s insurance is a small price to pay for peace of mind.

Renter’s insurance provides many of the benefits of homeowners insurance, without providing coverage for the cost of the dwelling itself. 

Renter’s insurance will provide liability coverage should you be sued by another person who sustains injury while in your home or from one of your pets. It will also cover any expenses should the structure become uninhabitable- such as hotel bills, restaurant meals, and additional costs associated with temporary living situations. 

There are three major coverages in a renter’s insurance policy: coverage for personal possessions, liability coverage, and ALE (additional living expenses) coverage.

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Additional Living Expenses plans are for those who wish to protect against specific disasters, such as a tornado, fire or theft. that make it impossible to reside in the rental unit.

This coverage will reimburse you for hotel bills, restaurant meals, and any other living expenses associated with the uninhabitability of your rental unit. There is usually a limit on how much money you will receive per month to cover this. 

Renter’s insurance will provide protection for your items against specific disasters, such as a theft, fire or tornado.

Financial experts recommend purchasing enough coverage to replace all of your possessions in the event of a loss. You can choose between replacement cost or ACV (actual cash value) coverage.

ACV policies will only pay for the cost of an item, minus the depreciation over time, so that you’re left with a smaller amount than it would require to replace the item. Replacement cost is exactly what it sounds like, covering the cost of a replacement item for the one you lost.

Like homeowners insurance, most normal policies may not cover the loss of extremely expensive items- you will want to add a floater to your policy to insure against the loss of unusually high-value items, such as a wine or coin collection.

Most renter’s policies will not cover losses due to flooding or earthquakes, so it is recommended to individuals in flooding or earthquake-prone areas to attain additional coverage in order to receive a payout if a disaster should strike. 

Renter’s insurance will provide liability protection against legal challenges for injury/property damage by the renter, pets, or family of the renter.

Many renter’s policies will also contain a no-fault medical coverage, which allows anyone who sustains an injury on your property to submit medical bills to the insurance company without having to resort to legal action.

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Meet The Experts


Jodie Enenbach-Moreno

Agency Owner & Licensed Agent

Jodie Enenbach-Moreno is the owner of Smart Insurance Solutions®. Prior to opening her agency in 2013, Jodie worked for Blue Cross Blue Shield of Nebraska and Mutual of Omaha in service, sales and marketing. Her passion for client education motivated her decision to open an independent agency here in Omaha. Jodie hosts educational classes throughout the year on the radio, for community groups, financial advisors and the general public.

With over 15 years of insurance experience, Jodie spends many hours refreshing product knowledge, renewing certifications for government programs (Medicare & Marketplace) and staying on top of regulation changes. For additional compliance and support, Jodie has a long-standing relationship with Preferred Marketing Associates.

photo by Lane Hickenbottom/Omaha Headshot Co.

Rebecca ‘Becky’ Rosales

Licensed Agent

Licensed Agent & Operations. Becky has been with Smart Insurance Solutions® for over 4 years and is a wonderful asset to the team.

She supports the agency in customer service, bookkeeping and insurance sales. Becky is from Omaha and has decades of support and leadership experience

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Cristal Briceño Rios

Front Desk Associate

Cristal’s background is in nursing and most recently worked for a pharmaceutical benefit management company before joining our team. Cristal is a great asset to our team in supporting the front desk area and other administrative duties.