Protect the things that you rely on every day.

Renters insurance is specifically designed to protect your personal property if it is damaged or stolen. Renters insurance can cover fire and smoke damage, theft, vandalism, damage from windstorms and hail, water damage from plumbing problems, and many other hazards. Renters insurance also provides liability and medical payments coverage in the event a guest is injured in your home.

You probably own a great deal more than you think. What would the cost be of replacing everything in your apartment if there were a fire or other disaster?

Personal property you own may include:

  • Furniture
  • Television / Electronics
  • Collectibles
  • Clothing / Outerwear
  • Jewelry / Silverware
  • Computer / Laptop
  • Cookware
  • Sports Equipment

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    It’s important to us.

    My son needed renters insurance. Neither of us knew much about it and didn’t know where to go for this. We see SO MANY ads on TV but they often seem confusing in their presentation. So we decided to explore HMS. My husband and I have had homeowners insurance through HMS for decades. Our representative explained the renters insurance to us very well. She was very patient and reassured us on several questions we had. Everything was handled online, which was new to us. What a GREAT JOB!


    Westminster, MD

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