Belongings left exposed
A fire or burst pipe can take everything you own, and the building policy is written for the owner.
RENTERS INSURANCE · HO-4
Your things, protected.Your lease, satisfied.
Renters insurance (HO-4) covers what you own in the place you rent, plus personal liability if someone is hurt or you damage someone else’s property. The landlord’s policy protects the building.
Multiple carriersshopped for you
Since 2004insuring Chicagoland
One officefor tax and insurance
Who it is for
The landlord’s policy is theirs.Your things need your own.
Liability on your lease
Many leases require renters liability, and a guest injury or kitchen fire can turn into a claim.
Nowhere to stay
If a covered loss makes the unit unlivable, hotel and meal costs add up fast.
Coverages
Made for renters.
Every policy is fitted to what you own and how you live or work, then reviewed with you each year.
Personal property
Furniture, electronics, clothing and belongings covered up to your HO-4 limits.
Personal liability
Helps if someone is hurt in your unit or you damage others’ property.
Additional living expenses
Also called loss of use: temporary housing and related costs after a covered loss.
Scheduled valuables
Higher limits or scheduled coverage for jewelry, bikes and collectibles.
A deductible you can pay
We help you pick a deductible that works, not just the lowest premium.
Bundling and proof of coverage
Multi-policy options with your auto policy and proof of coverage for your landlord.
How it works
From first call to coverage.
- Step 1Tell us about the unitAddress, move-in date, roommates and any liability minimum in your lease.
- Step 2Value your belongingsA quick room-by-room estimate sets a personal property limit that fits.
- Step 3We shop your policyWe compare HO-4 options from the carriers we represent, alone or bundled.
- Step 4Send proof, move inWe get proof of coverage to your landlord so move-in day stays simple.
The Ozfield difference
Start with renters.Grow with one office.
Most people use one company for taxes, another for books and a third for insurance. With Ozfield, one team sees it all, so nothing gets lost between offices.
Bundle with your carCar and renters together can mean multi-policy savings and one call.Ready to buy a homeWhen you buy, we move you to homeowners coverage without a gap.Your tax return, tooThe same office prepares your individual return every year.Side business at homeFreelancing from your apartment? We handle the business tax side.
Excellent service from start to finish. The team was professional, responsive, and made the whole insurance process easy and stress-free. They answered all my questions clearly, gave me a great rate, and handled everything quickly. I truly appreciate their honesty and customer support. Highly recommend to anyone looking for reliable insurance service!
FAQs
Good questions.
Something else on your mind? Call 773-536-9272 and our office will walk you through it.
Does my landlord’s insurance cover my belongings?
Generally no. The landlord’s policy is written for the building and the owner’s risk. Your belongings and liability need your own renters policy.
Can my lease require renters insurance?
Many leases do, often with a minimum liability limit. We can send proof of coverage to your landlord or property manager.
Are my roommates covered on my policy?
Usually not automatically. Many policies cover the named insured and relatives in the household, so roommates often need their own policy.
How do I pick a deductible?
Choose one you can actually pay. That matters more than shaving a few dollars off the premium.
Protect your place in minutes.
Request a quote online or call 773-536-9272 and we will get proof to your landlord.