Choice Insurance Agency
Renters Insurance in Massachusetts
Offering customized insurance solutions in Massachusetts and beyond.
When you rent a home or apartment, your belongings and peace of mind deserve protection. At Choice Insurance, we make it easy for Massachusetts renters to safeguard their possessions and personal liability with flexible, affordable renters insurance options. Whether you’re in Boston, Worcester, or a cozy coastal town, our coverage is designed to fit your lifestyle and your budget.
What Is Renters Insurance and Why Does It Matter?
Renters insurance is a type of protection that helps cover your personal belongings, liability, and living expenses if something unexpected happens. Many renters assume their landlord’s insurance will protect them, but that’s rarely the case. A landlord’s policy typically only covers the building itself—not your furniture, electronics, clothing, or valuables inside your rental.
With Choice Insurance renters coverage, you can rest easy knowing that if a fire, theft, or water damage occurs, your items may be repaired or replaced. Our policies may also include liability coverage, which can protect you if someone is injured in your rental or if you accidentally cause damage to another unit. Beyond possessions, many policies may include loss-of-use coverage, helping pay for temporary housing and living expenses if your home becomes uninhabitable.
Renters insurance offers a simple, affordable way to prepare for the unexpected and protect what you’ve worked hard for.
Quotes Available in Massachusetts & Other States
Words from our Clients
Gained a customer for life.
Moved all my personal lines of insurance over to Choice. They found me a set of policies that saved me over $1000/year. Then, Julie took care of my commercial line, jumped through so many hoops and got me a policy for my business at an amazing rate.
Great people, great insurance, great advice, great price.
Choice insurance has been providing insurance coverage to our commercial real estate business for over 7 years and the service has been tremendous. Peter has always responded quickly and with incredibly aggressive pricing; and with a perspective to assure that we are fully covered for all potential issues without unnecessary coverage and fees. There is such a comfort when working with Peter and his company that our best interest is their top priority.
I have been a happy customer of Choice Insurance for 12+ years. Peter and the team have been fantastic — always professional and knowledgeable about supporting my business insurance needs as well as our personal, home, car, and condo insurance needs. Peter has helped us with insurance questions related to buying and selling homes, a flood insurance claim, a tree that almost fell on our house and destroyed our fence, and a car accident. Recently, Peter noticed that our condo insurance (inherited from the prior owner) was severely inadequate. He helped us switch to a much better policy within less than a day. And, thank goodness he did. A couple weeks later, I smelled gas outside our home. It was a gas leak that National Grid fixed right away. But, I slept more soundly that night knowing that if the worst had happened, we would be fully covered thanks to Peter! I can’t recommend Choice enough!
This is our third policy with Peter, he’s awesome!! We started with a policy for a commercial space and added a home insurance and auto policy because of the quality of service that we received.
We highly recommend Choice Insurance Agency for competitive pricing and transparency. Want a great policy and customer service experience look no further.
Peter and his team are thorough and have a strong sense of urgency for all matters pertaining to our account. Each time we reach out for assistance, our expectations are exceeded. I would recommend his team to anyone.
I switched to Choice 10 years ago and with 2 teenage drivers we interact frequently. Every time they have made the process quick and effortless. My family and I could not be more pleased.
How Does Renters Insurance Work in Massachusetts?
Massachusetts renters face a variety of risks—from coastal storms to city apartment break-ins—and renters insurance can be your safety net. At Choice Insurance, we tailor policies to the needs of local residents. While each policy is unique, most renters insurance plans in Massachusetts may include three key components:
- Personal Property Coverage – Helps replace belongings damaged or lost due to covered events like fire, theft, or vandalism.
- Liability Protection – Covers legal and medical costs if you’re found responsible for injuries or property damage.
- Additional Living Expenses – Helps cover temporary housing, meals, or transportation if your rental becomes unlivable.
Our agents understand Massachusetts-specific factors such as weather risks, older housing stock, and local regulations. We take time to review your situation and customize coverage that feels right—not one-size-fits-all.
What Does Choice Insurance Renters Coverage Include?
Every renter’s situation is different, and that’s why Choice Insurance offers flexible options that can adapt to your needs. Our renters insurance coverage may include:
- Protection for Personal Property: Furniture, electronics, clothing, and other belongings may be covered against theft, fire, smoke damage, and more.
- Valuable Item Coverage: For jewelry, collectibles, or electronics that exceed standard limits, you can add optional riders for extra protection.
- Personal Liability Coverage: If someone is injured in your home or you accidentally cause damage to another person’s property, your policy may help pay legal or medical expenses.
- Loss-of-Use Coverage: When your rental becomes temporarily uninhabitable due to a covered loss, this feature may help pay for hotel stays or additional expenses.
You can also add endorsements or increase coverage limits to suit your lifestyle. Whether you’re a college student in Cambridge or a family renting in the suburbs, Choice Insurance offers peace of mind at a price that makes sense.
Why Should Massachusetts Renters Choose Choice Insurance?
At Choice Insurance, we believe protection should come with confidence—and convenience. We’re a locally trusted name in Massachusetts, helping renters from all backgrounds find coverage that fits their unique circumstances. Here’s why so many residents turn to us:
- Local Knowledge: Our team understands Massachusetts’ housing market, weather risks, and insurance requirements.
- Personalized Service: We take the time to understand your lifestyle, budget, and risk factors before crafting a policy.
- Competitive Rates: We shop multiple carriers to find options that balance quality protection with affordability.
- Responsive Support: When you have a question—or need to file a claim—you’ll talk to real people who care.
With Choice Insurance, you’re not just another policy number. You’re part of a community that values transparency, trust, and long-term peace of mind.
How Much Does Renters Insurance Cost?
Renters insurance is often one of the most affordable types of coverage you can buy. In Massachusetts, the average policy can cost as little as $10–$20 per month, depending on your location, the value of your belongings, and your coverage limits.
At Choice Insurance, we help you identify what matters most so you can get the right protection without overpaying. Bundling your renters policy with other insurance—such as car insurance—may even qualify you for extra savings.
We also provide flexible payment options and transparent quotes with no hidden fees. Whether you’re on a tight student budget or renting a luxury condo downtown, we’ll help you get reliable coverage at a price that fits.
What Happens If You Need to File a Claim?
Filing a claim shouldn’t be stressful—and with Choice Insurance, it isn’t. If an incident occurs, our team guides you through every step. Simply contact us as soon as possible, provide basic details about what happened, and we’ll help you document the damage or loss.
Many claims are processed quickly, and you’ll receive clear communication from start to finish. Our Massachusetts renters appreciate that we handle claims with care and urgency—because we know how disruptive an accident or theft can be.
Having renters insurance means you’re never alone in facing the unexpected. With Choice Insurance by your side, you can recover faster and get back to your daily life.
How Can You Get a Quote for Massachusetts Renters Insurance Today?
Getting started with Choice Insurance renters coverage in Massachusetts is simple. You can request a free, no-obligation quote online, over the phone, or in person at one of our offices. Our friendly agents will walk you through coverage options, explain discounts, and help tailor a policy that fits your lifestyle and budget.
Whether you’re renting your first apartment in Somerville or managing multiple properties across the state, we’ll make sure you get the right protection—fast.
Don’t wait until something unexpected happens. Discover how affordable and easy Choice Insurance renters insurance in Massachusetts can be today.
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Have questions or need a quote? No problem! Send our team a message and we’ll reach out shortly with the answers you need.
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