Why Every Tenant Should Have Renter’s Insurance

At Orecchio Properties, we believe that renter’s insurance is one of the smartest and most affordable ways to protect yourself while renting a home or apartment in Weirton, WV or Steubenville, OH.

Many renters mistakenly think the landlord’s policy covers their belongings or damages — but it doesn’t. Our insurance only covers the building itself. Your renter’s insurance policy protects you, your possessions, and your financial security.

1. Protect Your Personal Belongings

If a covered event such as a fire, water leak, or theft damages your belongings, renter’s insurance helps replace your items — from furniture and clothing to electronics and valuables.

Even a small fire or burst pipe can cause thousands of dollars in damage. For just a few dollars a month, you can avoid major financial stress and quickly get back on your feet.

2. Liability Coverage — Protect Yourself from Costly Accidents

Renter’s insurance also includes liability protection, which covers you if you accidentally cause damage or injury.

At Orecchio Properties, we’ve seen situations where tenants turned off their heat in winter, causing pipes to freeze and burst, or accidentally started a fire. Our insurance covered the building damage, but the tenant was held responsible by our insurer afterward.

If that tenant had renter’s insurance, their policy would have paid the costs — not them personally.

3. Temporary Housing Coverage

If your apartment becomes unlivable after a covered event, renter’s insurance can pay for temporary housing, such as a hotel or short-term rental, until your unit is repaired. This ensures you have a safe and comfortable place to stay.

4. Affordable and Easy to Get

Renter’s insurance is surprisingly inexpensive — usually $10 to $20 per month — and many insurers offer bundle discounts with your auto policy. You can purchase coverage online in just minutes and send us proof directly.

We even provide options through our property management system for tenants who prefer a simple, built-in solution.

5. Required for All Tenants — For Your Protection

We require all tenants to maintain renter’s insurance not only to protect our properties, but also to protect you. If an accident happens, you’ll have the coverage and peace of mind you need.

You may choose:

• Your own insurance provider, or
• Our in-house policy (a liability-only plan starting at just $10/month, covering $100,000 in liability).

Final Thoughts

Accidents happen — but renter’s insurance makes sure they don’t turn into financial disasters. It protects your belongings, covers your liability, and ensures you’re not left paying out-of-pocket for events beyond your control.

If you’re renting with Orecchio Properties, talk to your insurance agent today or ask our office about policy options. It’s a small monthly cost that can save you thousands in the long run.

📞 Orecchio Properties
Providing quality rental homes and apartments in Weirton, WV and Steubenville, OH
👉 Learn more or apply for available rentals: WeirtonProperty.com tel:1-304-723-7368