Renters InsuranceApartment Insurance
Protect Yourself & Your Property With a Tailored Renters Insurance Policy
Renters insurance provides you coverage for your own possessions, which are not included under your landlord’s policy, and which can be damaged or stolen. This inexpensive coverage also allows for additional living expense and personal liability.
We offer our clients renters insurance tailored to fit their coverage needs. You can choose from a variety of coverages and deductibles that suit you and your budget. You can even design your own package by increasing coverage in areas that you select. Discounts are available if you have an approved security system or other policies with us.
We’re Here to Make Sense of it for You
One very special option you can choose allows for replacement of all that you have lost – with no depreciation! With Replacement Cost on Contents protection, you won’t have to settle for less than what you had. Look at all the things you own and think about how much these items mean to you and how much it would cost to replace them. Imagine what a difference it would make to have a Renters Policy with the Replacement Cost on Contents endorsement if the worst should happen.
What’s Covered by Renters Insurance?
This is the cost to replace or repair your own property. Many items are covered as part of personal property such as electronics, furniture & clothing. This coverage will extend to the limits of your policy. Not sure how to assess the value of your personal property, we can help make sure you have adequate coverage.
The liability portion of this policy offers coverage in the event that you are deemed responsible for the damage to others property or the medical bills of a guest if you are responsible for their injuries.
Additional Living Expense
Should you be unable to return to your home, additional living expense will cover the costs incurred by hotel bills while your home remains unable to be occupied.
Frequently Asked Questions-Renters Insurance
How much does renters insurance cost?
Renters Insurance is some of the most cost effective coverage you can buy. Often times there are discounts available for your automobile that can offset the purchase of renters insurance. Nothing beats knowing that in the event something does occur, you and your possessions will be covered for the loss.
How much renters insurance do I need?
Determining how much coverage you need can be a little surprising. Personal property coverage is built to cover everything that you own. While you may be thinking of big ticket items you have in your home, the assessment should include all pieces of personal property. There are some limits under personal property coverage for things such as coins or jewelry under a standard renters policy and our agents are prepared to discuss your particular needs.
Am I required to have renters insurance?
While renters insurance is not required per state laws for renters, it has become a requirement that landlords and building owners are making part of their rental and lease agreement to occupy the premises. Keep in mind this coverage is so inexpensive it is certainly a good idea to purchase insurance coverage for your own protection as well.