Morristown is the seat of Morris County and one of North Jersey's most active rental markets. The town's revitalized downtown, walkable neighborhoods, and proximity to major employers — including Honeywell, Atlantic Health System, and numerous mid-size corporations — makes it a magnet for young professionals and new residents, many of whom rent.

Downtown Morristown in particular has seen significant new apartment development in recent years. With higher-quality apartments come higher rents — and more valuable personal property worth protecting. A renters insurance policy protects your belongings, covers your liability, and pays for temporary housing if your unit is ever damaged and uninhabitable.

A standard renters insurance policy typically covers:

• Personal property — furniture, electronics, clothing, jewelry, and more — if damaged or stolen.
• Liability protection — if someone is injured in your apartment and sues you.
• Additional living expenses — if you're temporarily displaced due to a covered loss like a fire.
• Guest medical protection— helps pay medical bills if a guest is injured in your home.
• Family liability protection— coverage if a family member in your household causes accidental damage or injury.
• Extended protection— computers, jewelry, furs, watercraft, and firearms can be added with extended coverage.

Renters insurance can cover virtually all of your personal possessions. Most policies provide coverage for electronic goods and equipment, small appliances, sports equipment, cameras and photography equipment, furniture, clothing, glassware and china, and books. Other items — such as computers, jewelry, furs, watercraft, and firearms — can also be covered with extended protection.

The good news? Renters insurance is one of the most affordable types of coverage available, often costing less than a few dollars a day.

We encourage every renter to spend just five minutes with a calculator and add up the cost of replacing everything they own. What if you came home tomorrow and your apartment had burned down? Where would you go? How would you pay to replace your clothing, furniture, and appliances? With the right renters policy, you can relax — and say yes to all of the above.

As a Morris County independent agency, we compare quotes from more than 50 carriers and find you the best fit for your specific situation. No call centers, no 1-800 numbers — a licensed NJ agent who picks up the phone.