Renters Insurance

What is Renters Insurance?

Renters insurance covers your "Personal Property" against losses from:

    Fire or smoke
    Lightning
    Vandalism
    Theft
    Explosion 
    Windstorm 
    Water damage from plumbing.

Renters insurance also covers your "Personal Liability" against losses from other people injured at or away from your home by you, your family members, or pets. It also pays legal defense costs if you are taken to court

Renters insurance also covers your "Additional Living Expenses" which are the reasonable additional costs of temporarily living away from your home if you can't live in it due to a fire, severe storm or other insured disaster. This coverage includes compensation for hotel bills, temporary rentals, restaurant meals and other living expenses.

**Renters insurance does not cover floods, earthquakes or routine wear and tear. You can, however, buy separate policies for flood and earthquake damage.
    

---

How much Renters Insurance coverage do you Need?

Add up the cost of everything you would want to replace if it were damaged or stolen. This could also serve as the basis for an inventory that will make filing a claim easier. For an inventory, also record model numbers, dates and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in safe place away form your home.

If you rent an apartment or house you need insurance to protect your belongings. While your landlord might have insurance, it only protects the building. Your belongings are not covered under those policies. 

How much does Renters Insurance cost?

On average most renters policies cost around $20.00 per month.  Often times however, by having your auto insured with us also, the multi policy discount will cover the whole cost or significant portion of this premium.

 Click Here to cover your contents today.