Most renters ask: “Why do I need Renter’s Insurance” I don’t have much stuff.
You have a lot of things that are important to you – you just don’t realize how much it would cost to replace all your clothes, furniture, kitchen items, toiletries, computers, televisions, and the list goes on. Is something happened to it all at one time, just think of how much it would cost to replace it – easily thousands!
OOPS…. I damaged my landlord’s place? A Renter’s policy will also respond should you accidentally damage the place you rent. Maybe you were distracted in the middle of cooking and a fire started in the kitchen. Do you have the money to remodel your landlord’s place? Your renter’s insurance will pay under the “Liability” section for damage you do accidentally. Most landlords are requiring proof of Renter’s Insurance before they give you the keys. It’s wise for them to require it and it’s wise of you to have it.
We will be your insurance guide and advocate to help you find the right plan at a price you can afford.
What You Need to Know
Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home.
For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.
Protect Yourself and Your Guests
Your renters insurance policy also protects you and your family against certain bodily injury and property damage claims for which you are liable. Legal defense is also provided in the event you are sued after a covered loss, subject to the limits you have selected.
In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available. Let us help you find the right amount of coverage to suit your insurance needs.
The Right Coverage, The Right Price
Whether you’re starting out, between homes, or downsizing, we’ll help you pick the best renters insurance coverage that best fits your needs.
Be sure to ask about available discounts including burglar alarm credits and account credits for customers who package their auto and/or umbrella policies with their renters insurance policy.
How to get started on your Renters quote
To get started on your quote, call our office or click over to our quotes page.
Either way we’ll make the process simple!
