The Tenant's Guide to Renters Insurance: Why Your Landlord’s $100,000 Requirement Isn’t Protecting You

If you have signed a lease for an apartment in Massachusetts recently, you were almost certainly met with a strict requirement: “You must provide proof of a renters insurance policy with at least $100,000 in liability coverage before receiving your keys.”

If you are like most tenants, you probably checked that box as quickly as possible just to get into your new home. But there is a massive, incredibly common misunderstanding about what that $100,000 policy actually does.

Many renters assume that because they have a policy, they and their belongings are fully protected. They aren't.