A Great Value Solution to Your Baltimore Renters Insurance Needs

Did you know that there are more renters than homeowners in Baltimore? Amazingly, up to two thirds of them don’t have renters insurance. Others may be insured but not getting the best deal or the best service.

For all of them, Kirby Insurance is the easy Baltimore renters insurance solution.

We've been protecting Baltimoreans for 85 years. And, as an independent agent, we're not tied to one insurer. We work with all leading insurers, so we can shop around for competitive deals.

Do I Really Need Renters Insurance in Baltimore?

In a word, yes. Here's why: Though you're not responsible for the main structure of your building -- that's the landlord's job -- you are responsible for everything you own that's inside.

Furthermore -- and this is possibly the costliest thing you might have to put right -- you could be liable for injury or damage that someone (or their property) suffers, while in your home.

All of these risks potentially add up to tens or even hundreds of thousands of dollars of costs you could face. We hope not. But incidents relating to these types of perils happen every day.

Yet, Baltimore renters insurance, sometimes called tenants insurance, through Kirby Insurance, will protect you for a relatively low cost.

The Kirby Insurance Baltimore Renters Insurance Program

We customize renters insurance for Baltimore residents by assessing the risks and the value of your home contents and personal property. Then we keep rates low by shopping around competing insurers.

We often can secure further discounts where available, for instance if you have multiple policies with the same insurer, high security, or if you agree to pay a certain amount of losses before your policy kicks in (the deductible).

What Does Renters Insurance in Baltimore Cover?

There are certain standard rental insurance features, together with a number of options for additional coverage. Together, these include:

  • Replacing the contents of your home, lost or damaged by fire, smoke, lightning, vandalism, theft, windstorm and leaking water. This can be based either on their current value at the time they were lost or damaged (actual cash value), or the cost of replacing them as new. 
  • If you have a student in the family who is still part of your household, their dorm personal possessions are usually also protected. So are items you've rented or borrowed that are damaged or lost while in your possession.
  • Off-premises coverage that protects your personal property while you're outside your home.
  • Liability coverage for injuries or damage someone else suffers in your home, including legal defense costs. This could be triggered, for example, if someone trips in your home or your pet injures them.
  • Temporary living expenses if your home becomes uninhabitable -- including food and lodging.
  • No-fault medical coverage for injuries to someone in your home.
  • Umbrella or excess liability coverage -- an add-on that pays out if the limits of your existing policy are breached.

How Kirby Insurance Helps You

When you use Kirby Insurance's Baltimore Renters Insurance Program, we'll help you work out the level of coverage you need, both for contents and liability.

We'll explain the easiest way to do an inventory of your contents, and pinpoint any high-value items that need separate special coverage.

We'll shop around for best value. We'll answer your questions. And if you need to make a claim, we'll be right here to help you.

Get Your Answers Now

It costs nothing -- and there's no obligation -- to find out how much Baltimore renters insurance costs. Just ask us.

But don’t wait. No one knows what tomorrow will bring. But we do know that the cost of not being insured if something goes wrong could be considerably more than you can afford.