Protecting your possessions in the event of a loss is only one of the protections offered under a renters policy. Whether you are renting an apartment, house, or condominium, renters insurance is a must. Renters Insurance will cover personal property, loss of use, personal liability, medical payments, water back-up, and personal injury. It is important for a renter to understand the various types of coverage they may need. We have the knowledge to lead you in the right direction.

What is Covered by Renters Insurance?

Personal Property Coverage

Your stuff. Personal Property coverage will protect common items in your home such as; furniture, clothing, electronics, and personal property you may be using outside of your home.

Personal Liability Protection

If a claim is made against you on your property, personal liability protection will cover you in the event of injury or property damage to somebody else. This coverage will help pay for repair of accidental damage to someone else’s property and legal cost if you are sued.

Medical Payments Coverage

This is a type of liability coverage that can help cover medical bills when a covered accident on your property involves bodily injury to others.

Additional Living Expenses

If you are forced to move out of your rental property by a covered loss, loss of coverage can provide financial help for necessary living expenses such as hotels, meals, laundry, and more while your property is being repaired.

Contents Replacements Cost

This option provides additional coverage to personal property losses. This will cover common items in your home like furniture, clothing, and electronics based on replacement cost at the time of the loss, with no deduction for depreciation.

Valuable Items Plus

In most cases the items most important to you may not be covered. It is important to add them in individually. Items such as comics, books, high value jewelry, trading cards and more.

Off-Premise Property

Sometimes you are in the process of moving and items are in storage during your transition, we make sure that you will be covered should anything happen to those items as well.

Renters Insurance Discounts

Multi-policy Discount

You can save money on your car insurance when you have a renters policy as well. We work with various carriers that provide different multi-policy discounts, we will set you up with a provider that offers your required coverage at the best cost.

Loss-Free Discount

If you have not experienced a loss within a specified time period, you will be eligible to receive a discount. This will vary depending on the insurance provider you choose.

Protective Device Discounts

As a renter it is important to ensure your safety in your house, apartment, or condo. Having protective devices such as smoke detectors and alarms, interiors sprinkler systems, home security systems, and smart or connected home technology systems will allow you to qualify for a discount.