Renters Insurance That Has Your Back
Protect What’s Yours—Even When You Don’t Own the Walls
Just because you rent doesn’t mean your belongings are any less important. From electronics to heirlooms, renters insurance helps protect the things that make your space feel like home. It also covers you in ways your landlord’s policy simply won’t.
At Dwyer Insurance, we make getting covered simple. Whether you're in your first apartment or downsizing into something cozier, we’ll walk you through your options clearly—and help you find a policy that fits both your lifestyle and your budget.
Smart Coverage for Shared Spaces
Don’t assume your landlord’s policy covers you—because it doesn’t.
5 Tips for Getting the Right Renters Insurance:
Know What’s Covered
Your landlord’s insurance protects the building—not your stuff. We’ll show you how to fill that gap.
Add Liability Protection
If a guest is injured in your unit, or you accidentally cause damage to someone else’s space, liability coverage helps protect your finances.
Take Inventory
A quick video walkthrough or photo log of your belongings can make future claims much smoother.
We’ll help you cover your belongings without overpaying.
Your essentials, protected from the unexpected.
What’s Typically Covered
Personal belongings (clothing, electronics, furniture)
Liability protection
Loss of use coverage
Medical payments to others
Tailored extras for added peace of mind.
Optional Add-Ons
High-value item coverage (jewelry, fine art)
Identity theft restoration
Pet liability add-on
Earthquake or flood coverage
FAQs from Local Renters
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Is renters insurance required by landlords in Ohio?
No, Ohio doesn’t legally require renters insurance, but many landlords include it as a lease condition—if it’s written into your lease, you must have it to avoid lease violations or termination
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Does it cover theft outside my home?
Yes, most homeowners and renters insurance policies cover theft of personal belongings even when they’re outside your home, such as items stolen from your car or while traveling. Coverage limits and exclusions may apply, so it’s important to review your policy details.
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Can my roommate be covered too?
Standard homeowners and renters insurance policies typically do not cover roommates unless they are specifically listed on the policy. Each roommate should have their own individual policy to ensure their belongings are protected.
What We’ll Need to Get You a Quote
A few details help us find your best options:
Rental address
List of valuables or high-risk items
Lease type and duration
Any current insurance you have
