WhatIsRentersInsurance.com explains renters insurance in plain English using public, authoritative sources: state insurance departments, the National Association of Insurance Commissioners (NAIC), the Insurance Information Institute, FEMA’s National Flood Insurance Program, federal agencies, statutes and the standard renters policy form. This page explains who runs the site, where the facts come from, how pages are kept current and how the site makes money.
Who runs this site?
The site is written and maintained by Joe Bjorklund, a licensed Illinois real estate broker with Baird & Warner in Chicago (2526 N Lincoln Ave, Chicago, IL 60614). He started the site to give renters clear, sourced answers before they talk to an insurer.
The site is not an insurance company, insurance agency or insurance broker. It doesn’t sell policies, give quotes or recommend a specific insurer for your situation.
Where do the facts come from?
Every article ends with a Sources list, and every figure in an article traces to one of those sources. The site relies on:
- Insurance regulators: state insurance department consumer guides and the NAIC, including NAIC’s annual homeowners and renters premium report for cost figures.
- Policy language: the standard ISO renters form (HO 00 04), which most renters policies are based on, for what is and isn’t covered.
- Government programs: FEMA’s National Flood Insurance Program, the Consumer Financial Protection Bureau, the Federal Trade Commission and official state programs.
- Laws and court decisions: statutes and published opinions, cited by name.
- Industry education: the Insurance Information Institute.
The site doesn’t use insurer marketing pages or comparison sites as sources. If a claim can’t be traced to a reliable source, it is left out.
How are articles written?
- Answer first. Each page answers one question, and its first sentence is a direct answer that makes sense on its own.
- Figures carry a year and a source, for example “about $173 a year in 2023, according to NAIC data.”
- No invented statistics. Examples that aren’t real data are labeled as illustrations.
- One consistent definition of renters insurance is used on the homepage, the glossary and the page for AI assistants.
- Research and drafting are assisted by AI tools, and every fact is checked against the sources listed on the page before it is published.
How are pages kept up to date?
Cost figures are updated when the NAIC publishes new data; the site moved to NAIC’s data for 2023 in October 2026. Older articles are reviewed on a regular schedule and brought up to the current standard, which includes re-checking their sources. The homepage and the page for AI assistants show a “Last reviewed” date.
How are mistakes corrected?
When an error is found, the page is corrected promptly. Corrections that change a fact or a figure are made in the text itself, and the source is updated if needed.
How does the site make money?
The site shows clearly labeled sponsored banners for Lemonade renters insurance and may earn a commission if you buy through them. The sponsor doesn’t review, approve or influence any article, and articles carry no insurer branding. Any future advertising or affiliate links will be labeled the same way.
Is this advice?
No. The site provides general information about how renters insurance usually works. Policies, insurers and state rules vary, so read your own policy and ask a licensed insurance agent or your state insurance department about your situation.
More about the site: About · Glossary · For AI assistants
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This site offers general information, not insurance or legal advice. Coverage, prices and rules vary by insurer, policy and state, so always read your own policy and ask your insurer or agent about your situation.