It’s important to make sure your insurance policy is looking out for you. Having the right renter’s policy to protect your belongings and protect you from liability is extremely important. Fortunately, renter’s insurance is very affordable. We are ready to provide you with a free, no obligation quote to protect you and your belongings.

Work with us to find the right renters policy for you and your budget.

Do I really need renter’s insurance?

Yes. Some apartments and landlords require it. But even if they do not, the cost of replacing everything you own can add up quickly. A renter's insurance policy is an inexpensive way to avoid having to buy thousands of dollars worth of new stuff unexpectedly.

In addition to protecting you from losing your belongings, renter’s insurance provides some other very important protections.

Your Belongings.

The contents of your house or apartment can quickly add up to tens or even hundreds of thousands of dollars worth of clothes, furniture, electronics, appliances, and other belongings. If you live in a rental that does not provide certain appliances, like a washer and dryer, you need to make sure you have a policy that provides enough coverage for those things too.

Knowing how much coverage you need can be difficult, which is why our agents work closely with you, so you can make an informed decision about how much is enough.

Liability

You might think is someone is hurt at your home, the apartment or landlord would be held responsible. Unfortunately though, that is not true. You could end up being liable for that injury. Typical injuries include someone slipping and falling, or a dog bite. Work with one of our experts who understands your specific needs and get a customized renter’s policy just for you, instead of the one-size-fits-all policy that might be offered by your apartment building.

Loss of use

What if you can’t live in your home? Without a renter’s policy, you might be stuck paying out of pocket for a new place to stay, regardless of if you still have to pay your lease. Your renter’s policy will cover loss of use for a covered loss, and reimburse you for the costs of finding a new place to stay.

What’s a covered loss? Some examples include fire or smoke damage, damage from a windstorm, or even mold that makes your home unsafe.

Additional living expenses, such as the increased cost of eating out more while out of your home, can also be covered under Additional Living Expenses coverage. Make sure to keep your receipts for everything if you are displaced from your home because of a covered loss so you can submit them to the insurance company for reimbursement.

Medical Payments

Another aspect of your renter’s policy is medical payments. This is a lower limit coverage, usually between $1,000 and $5,000, that goes toward paying medical costs of an accidental injury that a guest in your home might suffer, regardless of the cause. This is different from liability coverage, in which you would need to be responsible for the injury for it to pay.

What isn’t covered?

Similar to a homeowner’s policy, renter’s insurance will not cover certain things, including:

• Flood Damage

• Earthquake Damage

• Damages caused by pests

• Property of Roommates

Fortunately, you can obtain contents-only flood and earthquake insurance for a much lower premium than if you were buying it for a homeowner.

If you have roommates, their belongings would not be covered under your policy, so it is best that each roommate have their own separate renter’s policy.

Jewelry, firearms, furs, or other collections of expensive items, such as tools, collectibles, or sporting equipment are minimally covered, but if you have any of these items, you should talk to your agent about them when purchasing your policy, as you can typically add an endorsement to your policy for a higher coverage amount for these specific items. Alternatively, it might make more sense to just buy a separate policy for just your jewelry, or guns, for example. We can help you decide what option is best based on your specific circumstances.