Скачать или смотреть Homeowners Insurance vs. Renters Insurance — What’s the Real Difference? | Joyce Insurance Explains

People often ask us: “What’s the difference between homeowners insurance and renters insurance?”

Here’s the quick breakdown:

🏠 Homeowners Insurance — Covers the actual structure and your belongings. It’s designed for people who own their property.

🧳 Renters Insurance — Doesn’t cover the building (that’s your landlord’s job), but it protects your personal belongings and gives you liability coverage if someone gets hurt in your space.

In a city like New York, this difference is crucial. Your landlord’s policy won’t replace your laptop if it’s stolen—or cover your furniture if a kitchen mishap turns into a fire.

The best part? Renters insurance is incredibly affordable — often less than the cost of a streaming subscription per month.

👉 Whether you own or rent, having the right policy ensures you’re not paying out of pocket when life happens.