Renters Insurance

WHAT IS RENTERS INSURANCE?

As a renter, you’ve got it pretty good: No property taxes, no lawn cutting, no snow removal … Just simple living!

But what would you do if you returned from work, or a vacation, and all your possessions in your apartment had been destroyed by a fire? Or if there was a break-in and some of your most expensive stuff was stolen?

You may think that the building owner’s insurance will take care of all the damage caused by a fire.

It doesn’t.

Your building owner is only required to carry insurance for the structure. Usually, covering everything outside “your walls” is his responsibility, while everything inside is yours to cover.

This means all your furniture, electronics, clothing and other belongings are uninsured unless you purchase a renter’s policy.

Do you need renter’s insurance?

If you rent a home or apartment, covering what you own inside from loss or damage with renters insurance is one thing you don't want to leave at the door.

First, do the math and add up how much it would cost to replace your belongings.
Second, check with the terms of your lease and verify if carrying a renter’s policy is required by your landlord.
Third, request a renter’s insurance quote to verify just how affordable it is to protect your belongings from perils like theft, vandalism, fire, and falling objects.

What else is covered?

Renters insurance can cover virtually all of your personal possessions. Most policies provide coverage for electronic goods and equipment, sports equipment, cameras and photography equipment, furniture, and clothing. Ask your agent about extended protection for other items like, jewelry, furs, and firearms. Your renters insurance policy will generally include:

  • Personal liability coverage
  • Guest medical coverage
  • Additional living expenses

Again, we encourage all renters to spend just five minutes with a calculator to add up the cost of replacing everything they own. What if you came home tomorrow and your apartment had burned down? Where would you go? How would you pay to replace your clothing and furniture? When you ask yourself what renters insurance covers, you can relax and say yes to all of the above.

Why We're Different

There’s no such thing as a one-size-fits-all insurance policy.

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

We’re your neighbors. We protect businesses and people we know and care about, and that means we look for ways to protect you better, including carefully choosing the insurance companies we represent.

We desire to be a client-focused agency that is recognized as a trusted insurance advisor in our communities. We value long lasting relationships with our clients, built on a commitment to excellence, continual improvement and a high standard of customer service.

Contact us today and we’ll get to work finding the right fit for you. What matters to you, matters to us.