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Renters Insurance

In addition to automotive, commercial, and homeowner policies, the professional team at NRG Insurance offers renters insurance that protects those who live in rental communities or homes. Whether you currently rent or have plans to move into an apartment or other rental residence, we encourage you to consider your insurance options to protect your personal property and yourself from potential liability exposures.

Does Arkansas law require the purchase of renters insurance?

  • There is no provision in the Arkansas Residential Landlord and Tenant Act that mandates renters insurance. However, you should consider selecting a policy since Arkansas considers all transactions between landlords and tenants as private matters. If disputes arise regarding your property or liability while living on their premises, a policy with appropriate coverage will offer some level of protection.

Can a landlord require me to purchase renters insurance?

  • Yes, some apartments or landlords may require you to have renters insurance. If so, they will usually stipulate this requirement as part of the lease that you sign. They do this because a renters insurance policy will limit their liability if an injury or substantial damage occurs at the location. For example, the mattress of a waterbed placed on an upper-level floor may rupture and cause damage. Do not ignore any mandate that requires this insurance. Be sure that you have the minimum coverage that your lease stipulates.

Will the landlord's policy cover my belongings?

  • No, if a flood, fire, or other event damages your living space, the owner's policy does not protect your contents. This is true whether the incident originated in your unit or on the other side of the building.

We recommend that you think carefully about the risk of avoiding insurance coverage.The agents at NRG Insurance look forward to discussing a variety of coverage and deductible options designed to meet your needs and budget. A small investment today will protect your treasures and security tomorrow. Please contact us to learn how to get started.

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