Renter's Insurance vs. Tenant Liability Insurance: What's the Difference?

Know the Difference to Make Sure You're Protected on All Fronts

Renting a home or apartment comes with its share of responsibilities and concerns. While it may not be as daunting as owning a home, tenants should still take certain precautions to protect their belongings and assets. Two crucial forms of protection for renters are renter's insurance and tenant liability insurance. Below, we will delve into what these insurance types are and why they are essential for tenants.


Renter's Insurance: Protecting Your Belongings


What is Renter's Insurance?

Renter's insurance, also known as tenant insurance or apartment insurance, is a policy designed to protect your personal property in a rented dwelling. This type of insurance provides coverage for your belongings in case of damage or loss caused by a variety of perils, including fire, theft, vandalism, and more.


Why is Renter's Insurance Important?


Protection of Personal Property

One of the most significant advantages of renter's insurance is the protection it provides for your personal property. Whether it's your electronics, furniture, clothing, or jewelry, a renter's insurance policy can cover the cost of repairing or replacing these items in the event of damage or loss. Without this coverage, you could face a substantial financial burden if disaster strikes.


Liability Coverage

Apart from protecting your personal property, renter's insurance also includes liability coverage. This aspect is crucial as it safeguards you in case someone is injured while on your rental property. If a guest slips and falls, your renter's insurance can help cover their medical bills and any legal costs that may arise.


Temporary Living Expenses

In some cases, if your rented dwelling becomes uninhabitable due to a covered event, renter's insurance can help cover temporary living expenses. This ensures you have a place to stay while your rental is being repaired or replaced.


Cost of Renter's Insurance

The cost of renter's insurance varies depending on factors such as location, coverage amount, and the insurance provider. However, it is generally quite affordable, often costing less than $20 to $30 per month, with some insurance providers providing discounted rates for paying the entire policy upfront.


Tenant Liability Insurance: Protection Beyond Your Property


What is Tenant Liability Insurance?

Tenant liability insurance, often referred to as renter's liability insurance, is a policy that focuses primarily on protecting you from personal liability claims. It covers any damages or injuries that you, your family, or your pets may cause to others while on the rental property. Often tenant liability insurance is included in a renter's insurance policy.


Why is Tenant Liability Insurance Important?


Protection Against Personal Liability Claims

Tenant liability insurance is vital for renters because it safeguards you from personal liability claims. If, for instance, your pet bites someone or if you accidentally cause damage to your neighbor's property, this insurance can help cover the costs of medical bills, legal fees, and property repairs.


Comprehensive Coverage

Tenant liability insurance often covers a wide range of scenarios, from accidental injuries to damage to other people's property. This comprehensive protection ensures that you are not financially devastated by an unexpected incident.


Complement to Renter's Insurance

While renter's insurance mainly focuses on your personal property, tenant liability insurance complements it by covering personal liability claims. Together, these two policies provide comprehensive protection for renters.


Renting Requirement

Many property management companies and apartment complexes require that tenants purchase an insurance policy with tenant liability coverage of at least $100,000 as a condition of the lease. By purchasing tenant liability insurance, it provides landlords and owners peace-of-mind in the event that there is significant damage caused by tenants' negligence.


Cost of Tenant Liability Insurance

The cost of tenant liability insurance is typically lower than that of renter's insurance, making it an even more affordable option for renters. Depending on the coverage amount and the insurance provider, tenant liability insurance may cost as little as a few dollars per month. Even more money can be saved if purchasing tenant liability insurance as a part of a renter's insurance policy.


In the world of renting, protecting your personal property and guarding against personal liability claims are paramount. Renter's insurance ensures your belongings are safe from a range of perils, while tenant liability insurance protects you from unexpected personal liability claims. Together, these insurance policies provide a well-rounded safety net for renters, offering peace of mind and financial security. If you're a tenant, don't wait to get these essential forms of protection – it's a small price to pay for significant peace of mind.

Las Vegas Ranked #9 for Diverse Food Scenes in the U.S.

September 8, 2025
When people think of food diversity in America, their minds usually go straight to New York City. But according to a recent study highlighted by the esteemed culinary school, Escoffier, the Big Apple doesn’t take the top spot. Instead, San Francisco claimed first place — praised for its bustling variety of cuisines and holding the title for the highest density of restaurants per capita among major U.S. cities. What’s even more exciting for us locals? Las Vegas earned the #9 spot on the list of the most diverse food cities in the country. Why Vegas Stands Out Las Vegas may be known worldwide for its neon lights and entertainment, but the dining scene is what keeps both tourists and residents hungry for more. From celebrity chef–driven restaurants on the Strip to hidden neighborhood gems serving authentic global flavors, Vegas has transformed into a true culinary destination. While seven of the top 10 cities named in the study were coastal (a trend Escoffier notes is tied to cultural diversity and a robust restaurant scene), Las Vegas proves that you don’t have to sit on the coast to experience world-class variety. Our city thrives on international influence — with dining options that range from Korean barbecue and Italian trattorias to Thai street food, upscale steakhouses, and plant-based fine dining. A Foodie Destination on the Rise Being ranked in the top 10 isn’t just a nod to the Strip’s luxury restaurants, but also to the everyday spots that locals love. With new eateries opening regularly, the Vegas dining scene continues to evolve and surprise. So, whether you’re a longtime resident or just visiting, Las Vegas offers something for every craving — proving once again that this city is more than just an entertainment capital. It’s a place where cultures, flavors, and creativity come together to make the dining experience as dynamic as the city itself.

The Power of Gratitude in Building Strong Business Relationships

September 3, 2025
In business, one truth always stands out: no one succeeds alone. Whether you’re running a small business or managing a large organization, your success is built on the connections you make. And one of the simplest yet most impactful ways to strengthen those relationships is through gratitude. At McKenna Property Management, we’ve made gratitude a core part of our culture from the very beginning. Our owner and broker, Jenni McKenna, personally hand-delivers gifts to some of our VIP agents every single month . While it may sound like a small gesture, it makes a big difference. These thoughtful touches show our VIP Agents how much we value their trust in us, collaboration, and hard work. But it’s not just about the gifts. Gratitude comes in many forms—thank-you cards, handwritten notes, or even a quick phone call to say “we appreciate you.” What matters most is the consistency and authenticity behind the gesture. Over the years, these small acts of appreciation have helped us build trust, loyalty, and long-lasting relationships that go beyond a simple business transaction. By showing genuine appreciation, we’ve created strong bonds with clients and agents alike, and those connections have allowed McKenna Property Management to grow into what it is today. If you’re a business owner or professional, here’s our tip: make gratitude part of your business strategy. It doesn’t have to be extravagant—even the simplest “thank you” can strengthen relationships and open the door to new opportunities. At the end of the day, business isn’t just about numbers—it’s about people. And people remember how you make them feel. 💙

4 Days in Las Vegas – A Local’s Guide to the Perfect Trip

August 19, 2025
Planning a trip to Las Vegas? Whether it’s your first visit or your tenth, it’s easy to get overwhelmed by all the options. As locals, we know how to balance the must-see attractions with spots that many visitors miss. This four-day itinerary blends the energy of the Strip with the character of the neighborhoods beyond it, giving you a true taste of what Vegas has to offer. Day 1 – The Main Event: Everything Happening on the Strip Morning: Start with brunch at Alexxa’s in Paris Las Vegas , where the drinks come in disco balls and the atmosphere is upscale, modern, and trendy. Every Saturday and Sunday, a live DJ keeps the vibe upbeat while you enjoy brunch from 7:00 AM to 2:45 PM . Afternoon: Stroll through the Bellagio Conservatory & Botanical Gardens , an ever-changing floral masterpiece perfect for photos (and a break from the casino floor). Each season the gardens transform into a different showcase of sights, sounds, scents and colors. The conservatory team changes out the design, and replant and repurpose as much of the living plant material as possible. Evening: Dinner at Din Tai Fung inside ARIA. If you’ve never tried their famous dumplings, you’re in for a treat — and yes, the chocolate xiao long bao is as good as it sounds. Night: Dance the night away at Omnia Nightclub in Caesars Palace, or if clubbing isn’t your thing, see one of the incredible Cirque du Soleil shows on the Strip! Some of our team members recommended KÀ, or Mystère. Although Absinthe is not a Cirque du Soleil production, it is another great recommendation! This one is unapologetically raunchy and hilarious- and it is for ages 18+. More show recommendations can be found at the end of this blog! Day 2 – The Arts District Morning: Grab brunch at Makers & Finders , a lively Latin café with killer coffee and a creative menu. Afternoon: Spend time exploring the Arts District’s unique shops like Alt Rebel , Spilled Milk , and Antique Alley Mall . If shopping isn’t your scene, dive into something spooky different with Zak Bagans’ Haunted Museum . And if you’re not into scary, check out the end of this blog for more exhibits/museums in Las Vegas! Evening: Dinner at Esther’s Kitchen , where fresh, handmade pasta and sourdough steal the show. Night: Head to Atomic Golf where you can explore four floors of immersive golf games, bars, food and private event spaces! Day 3 – Immersive Fun At Area 15 Morning: Start with breakfast at The Peppermill , a retro Vegas staple known for its huge portions and vintage diner vibe. Afternoon: Spend the day at AREA15 , where you can wander through the mind-bending Omega Mart , explore the Illuminarium , check out Wink World , and so much more. Evening: Dinner at Block 16 Urban Food Hall in The Cosmopolitan — a foodie paradise with everything from Momofuku to Ghost Donkey . Nightcap: End your evening with a glamorous cocktail or mocktail at The Chandelier Bar inside The Cosmopolitan. Day 4 – Vegas Local + Tourist Combo Morning: Breakfast at The Broken Yolk Café . A favorite amongst Vegas Locals with multiple locations throughout the valley! They serve up an amazing breakfast with unique drinks. Afternoon: Choose between hiking the Historic Railroad Trail (Lake Mead views!) or exploring the stunning Red Rock Canyon . You can hike Red Rock, or drive through and enjoy the scenery. Evening: Step into old-school Vegas with dinner at Capo’s Restaurant & Speakeasy . Night: Ride the High Roller observation wheel for breathtaking views, then grab a frosty cocktail at Minus5 Ice Bar to cap off your trip. Local Pro Tips Do not swim in the Beach Club pools — just trust us on this one. Avoid ATM fees in casinos by bringing cash ahead of time. Characters on the Strip aren’t free — they’ll ask for tips after photos. Don’t limit yourself to the Strip — Vegas has amazing off-Strip attractions. Escape rooms here are great! Try Escapology at Town Square or PanIQ Room at The Venetian. Bring comfortable walking shoes — distances on the Strip are deceiving. October is the best month for weather. Additional Show Recommendations: A Vegas Golden Knights Game A Raider’s Game ANYTHING at the Sphere (Postcards from Earth, The Backstreet Boys, Eagles, etc.) The Atomic Saloon Show inside the Venetian RuPaul’s Drag Race LIVE! At The Flamingo Las Vegas Exhibits/Museums to check out: The Bodies Exhibit The Titanic Exhibit The Neon Museum Madame Tussauds Mob Museum This 4-day plan mixes the best of the Strip with local treasures, so you’ll leave Vegas feeling like you’ve truly experienced it — not just skimmed the surface.