Renting an apartment, condo, or home in Massachusetts? You may not own the building, but still have plenty to protect. At Kovalev Insurance Agency, we help renters across Massachusetts safeguard their belongings, finances, and peace of mind with affordable, reliable renters insurance policies tailored to your needs.
Whether you’re leasing a studio in Boston, a townhouse in Wellesley, or an apartment in Newton, we make renters insurance easy to understand and even easier to afford. Get a free quote today and see how simple it is to protect what matters most.
In Massachusetts, landlords typically insure the structure of the property—not your personal belongings. If a fire, theft, or water damage destroys your possessions, you're responsible for the replacement unless you have renters insurance.
Renters insurance also protects you from personal liability. If someone gets hurt in your home or apartment and you’re found legally responsible, renters insurance can help cover legal costs and medical expenses. It also pays for additional living expenses if your rental becomes uninhabitable due to a covered loss.
Simply put: renters insurance protects your stuff, your savings, and your sanity.
A standard renters insurance policy in Massachusetts typically includes:
At Kovalev Insurance, we offer flexible renters insurance plans that can be customized for your lifestyle and budget:
Do you need a unique type of coverage or want to ensure that everything important is included? Our team is happy to discuss your options.
If you rent where you live—you need renters insurance. This includes:
• Apartment renters in cities like Boston, Worcester, and Cambridge
• Condo or townhouse tenants in suburbs like Newton, Brookline, and Wellesley
• College students living off-campus
• Professionals in shared housing or co-living spaces
• Families renting homes across the state
Even if your landlord doesn’t require it, renters insurance is one of the most affordable ways to protect your property and finances.
Renters insurance in Massachusetts is surprisingly affordable—many policies cost less than $20 per month. Your premium depends on several factors, including:
• Where you live
• How much coverage you choose
• The value of your belongings
• Your deductible amount
• Whether you bundle with other policies
At Kovalev Insurance, we’ll compare rates across top carriers to find the best price for the protection you need.
We believe great coverage shouldn’t break the bank. Here are a few ways Massachusetts renters can save:
• Bundle with auto insurance
• Install security systems or smoke detectors
• Choose a higher deductible
• Maintain a claims-free record
• Ask about loyalty or multi-policy discounts
We’ll walk you through all available savings to help you get the most out of your policy.
In addition to standard renters insurance, Kovalev Insurance offers:
• Student Renters Insurance – Perfect for college and grad students living off-campus
• Short-Term or Vacation Rental Insurance – Coverage for furnished or temporary rental situations
• Landlord-Required Policy Assistance – Quick and easy policies that meet lease requirements
No matter your living situation, we’ll tailor a policy that fits your needs.
No, but many landlords require it as part of the lease agreement—and it’s highly recommended for personal protection.
Typically, no. Each roommate should have their own policy unless both names are specifically listed.
Standard renters policies don’t cover flooding. If you live in a flood-prone area, ask us about adding separate flood coverage.
Yes! Renters insurance typically covers personal property even when it's away from your home—like if your laptop gets stolen from your car or while you're traveling. Coverage limits may apply, so it’s good to review your policy detail.
Absolutely. At Kovalev Insurance, we help you customize your renters policy based on your belongings, lifestyle, and any special items you want to protect, such as jewelry, electronics, or art collections.
A deductible is the amount you pay out-of-pocket before your insurance kicks in after a covered loss. Choosing a higher deductible usually lowers your monthly premium, but you’ll pay more upfront if you ever file a claim.
At Kovalev Insurance, we combine local expertise with personalized service you can count on. As an independent agency, we work with top-rated insurance providers to find the best coverage at the best price. But what really sets us apart is our commitment to you—our neighbors across Newton, Boston, Wellesley, and beyond.
• Over 20 years serving Massachusetts renters
• Multiple carriers, competitive rates
• Fast, friendly service and real human support
• We make insurance simple, not stressful
Ready to protect your belongings and your budget?
Get your free Massachusetts renters insurance quote today and see why so many renters trust Kovalev Insurance to keep them covered.
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