Renters insurance helps protect your belongings and pay for unexpected expenses when claims happen. In addition, a renters policy can also help you pay for medical bills if you’re responsible for someone else’s injuries when at you home, and temporary living expenses if you’re forced to relocate temporarily because your home is uninhabitable due to a covered claim.
Saving on renters coverage just starts with a quote. In fact, many of the discounts are automatically applied, saving you both time and money. But it’s always a good idea to know what to expect. Check out some of these ways to save on a renters policy.
If your community has a guard gate, you need to use a key or remote to enter, you may be able to get a discount with certain insurance carriers.
A renters policy is designed to protect you financially when unexpected events happen. From theft of your personal belongings to injuries to visitors, your renters coverage is there to assist. When you quote renters insurance online with us, you can customize your coverage and compare rates with our A+ rated insurance carriers.
Renters insurance isn’t for everyone, it’s for those who are renting an apartment, home, condominium, or any other dwelling. It’s not to be mistaken with insurance for a landlord, who is renting out their property. That’s a landlord protection policy.
If you are renting your home, condo or apartment, and you landlord or complex requires insurance, just get a renters quote online with us. If you buy, we can send proof of insurance to your landlord or property manager and help you get into you new home super easy.
Renters policies issued with us normally have a minimum of $25,000 worth of personal property coverage, but you can always buy more if needed. If your personal property is stolen or damaged in a fire, your landlord typically won’t cover anything. That’s why you need renters coverage to help protect everything you own.
The amount of coverage needed primarily depends on two factors:
Your renters policy won’t cover certain incidents, including damage or injuries resulting from:
Additionally, while your belongings stolen out of your car are covered under renters insurance, the actual vehicle is not.
While landlords likely have an insurance policy in place to cover damage to their rental property, a renters policy protects against damage to the renter’s belongings — which means less liability for landlords if the tenant’s stuff is damaged or a tenant causes damage to another tenant’s unit. Moreover, if there is a fire or significant damage to the rental, causing the renter to live elsewhere while the repairs are made, additional living expense coverage on a renters insurance policy can pay for temporary housing.
Some landlords may require you to list them on your renters insurance policy before you can move in.
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