After a Covered Loss, a Renters Insurance Policy Replaces
Your Personal Property, & Defends You if You are Sued.
Plain & Simple – you worked hard to earn all of your personal property. It would be devastating to have to replace it all.
Just think about it. How much would it cost you to replace all of this stuff and all of the miscellaneous items you have acquired over the years. Below, we list some of the most common items in a household. Can you imagine how much you own in clothing alone?
Core Coverages
- Personal Property
- Personal Liability Protection
- Guest Medical
- Additional Living Expenses
Additional Coverage Options
- Contents Replacement Cost
- Personal Injury Coverage
- Scheduled Personal Property
- Identity Theft Coverage
Renter’s insurance coverages vary from insurance company to insurance company. We help you through the maze of getting the best value in renter’s insurance protection.
Killer Rates,
Shopped Smartly
When choosing an insurance carrier, having choices is a good thing.
Our savings specialists do the legwork for you to shop coverages and rates.
Enjoy competitive rates shopped professionally by your personal agent.
Your Personal Insurance Guide
Insurance rating, coverages and policies can leave anyone scratching their head.
You don't have to go it alone. We're here to help make it easy.
The right coverage at the right price is our only destination.
His Stuff
- TV, PS3 or XBox, Stereo
- Clothes
- Furniture
- Cookware
- Bicycles (special limits)
- Watch (special limits)
- Computers (special limits)
Her Stuff
- TV & Furniture
- Clothes
- Cosmetics
- Cookware
- Treadmill
- Jewelry (special limits)
- Computers (special limits)
What Causes of Loss Are Covered For Property?
Some of the most common causes of loss under a Renters Insurance Policy:
Fire
Theft
Vandalism
Smoke
Explosion
Windstorm
Lightning
Always read your policy to determine applicable coverage and exclusions. Standard exclusions under a renter’s policy would be damage caused by earthquake or flood.
Does Your Landlord Require Renters Insurance?
These days, many apartment complexes / property managers are requiring tenants to secure renter’s insurance before they will grant you access to the rental property. The reasoning behind this is that a renter’s insurance policy includes liability protection. So, in a situation in which you are negligent and cause damage to your unit (maybe you accidentally set fire to the kitchen while cooking up dinner), the interests of the property owner are protected.