We Answer Your Questions

Here are the answers to some of the most commonly asked questions about renters insurance.

Doesnít my landlordís policy look after everything if I rent my home?

No, landlord policies cover the actual property in which you reside. They do not cover any of your personal belongings or any damage or injury you cause to another person. Whether you rent an apartment or a house, the limits of the landlordís policy are the same.

What is this product?

Renters insurance protects your belongings in the event of disaster and also affords liability protection. This means that if your belongings were damaged by lightning, fire, vandalism, etc., your policy would reimburse you for your losses. In addition, the liability portion of your policy would cover you in the event that legal action were brought against you for damage you caused inadvertently or for an accident that occurred in your home. For example, if you started a fire through negligence, the other tenants may sue you for damages. Your plan would cover your legal expenses and any judgment against you.

Why do I need it?

The average person has $20,000 worth of belongings that are not covered by his/her landlordís policy. That means that if your items were damaged or stolen, you would be out $20,000. With this type of plan, you can insure your belongings for their value, so you would be reimbursed if they were ever stolen, damaged, etc. It also protects your assets and pays your legal expenses for lawsuits brought against you. For instance, if someone were to slip on a wet floor in your apartment and sue you for medical expenses and damages, your policy would cover you.

How much coverage do I need?

Think about how much your personal belongings are worth and whether you could afford to replace them. Also ask yourself what you would do in the event a liability lawsuit were brought against you. Once youíve asked these questions, take an inventory of everything in your home. Write down the items name, when you acquired it, how much it cost, and how much itís worth presently. Taking photographs can help this type of inventory. Add up the value of all of your items to determine what level of coverage you need.

How do I get it?

You can apply by clicking ďapply nowĒ anywhere you see it on our website. We have a short, easy, and secure application that will take only minutes to fill out. Once you complete your application, we will put you in touch with carriers to give you quotes.

If you have further questions, get in touch with us via our Contact Us page.

Did you know you can get renters insurance to
to protect your stuff while you are living in a
property that you rent? No longer is home
owners insurance the only game in town.
Getting this type of plan is smart financial
decision.
Renters Insurance Faqs
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How much renters insurance
coverage do you need? You
are going to want enough
to cover your belongings
in case anything
should happen.
Renters insurance can be tricky
because it is a relatively
new concept. Luckily we
have a list of FAQs to help
help answer any questions
you may have.
Sometimes people do not
find the answers they are
looking for in our FAQs section.
If this is the case then e-mail
us any questions or
comments you may have.