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Protect What’s Yours—Even If You Don’t Own the Walls

Just because you don’t own your home doesn’t mean your belongings shouldn’t be protected. Whether you’re renting an apartment in Providence, a condo in East Greenwich, or a house anywhere in Rhode Island, renters insurance from Doorley Agency gives you peace of mind that your stuff—and your future—is covered.

Since 1956, our family-owned agency has helped Rhode Islanders protect what matters most. As an independent insurance agency representing over fifteen top-rated carriers, we’ll help you find an affordable renters insurance policy that fits your lifestyle and budget.

What Does Renters Insurance Cover?

Renters insurance is one of the most affordable ways to protect yourself from unexpected losses or liability. A typical policy includes:

• Personal Property Coverage – Pays to repair or replace your belongings—like furniture, clothing, electronics, and more—if they’re damaged by fire, theft, vandalism, or other covered events.

• Liability Coverage – Protects you financially if someone is injured in your rental home or if you accidentally damage someone else’s property.

• Loss of Use (Additional Living Expenses) – Helps pay for temporary housing, meals, and other costs if your rental becomes uninhabitable due to a covered event.

• Medical Payments to Others – Covers medical costs if someone is injured on your property, regardless of fault.

Why You Need Renters Insurance

Many landlords now require proof of renters insurance—but even when it’s not required, it’s a smart move. Most landlord policies only cover the building, not your personal belongings. Renters insurance is the easiest way to:

• Replace your stuff after a fire, break-in, or water damage

• Avoid out-of-pocket costs after an accident

• Cover expensive items like laptops, jewelry, and TVs

• Get help with living expenses if you’re temporarily displaced

You can even add on special coverage for high-value items or customize your deductible to suit your needs.