Renters Insurance

There are advantages to being a renter…

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 it. It doesn't.

Your building owner is only required to carry insurance for the structure, everything inside is your responsibility. This means all your furniture, electronics, appliances, clothing and jewelry are uninsured unless you purchase a renter’s policy.

The Cost Of Replacing Your Stuff

If you’ve considered it all, you might think that the “stuff” you have accumulated isn’t worth that much but have you thought about the cost to replace? Buying a new bedroom set, clothing, or a computer can cost much more than you think—especially if your current ones are older or out of date.

Do you need renter’s insurance?

Yes you do! Whether you are a college student heading off to an apartment near campus, the elderly living in a senior care facility, or a family renting a four bedroom home you need a renters insurance policy.

According to recent estimates, nearly two-thirds of the 81 million people who rent their homes are uninsured for their contents or for any liability arising out of their tenancy. Don’t be a statistic …

First, do the math and add up how much it would cost to replace your belongings.

Next, 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?

You’ll be surprised at how affordable renters insurance can be. Besides covering all of your personal belongings, renters insurance provides liability coverage if you are liable for injury or damage to others. For example: you accidentally start a fire in your apartment and it spreads to other units, or someone gets injured and you are found responsible for it.

Beyond insuring your personal property and providing liability coverage a renters insurance policy may also include coverage for:

  • Additional living expenses
  • Temporary housing

Why We're Different

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for.

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.

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

We’re your neighbors.  That means we look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Contact us and let our agents help you protect the things you care about most.

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