Renters Insurance
With renters insurance, you will be able to replace what is damaged or stolen.
Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing (Subject to any exclusions, limitations, and/or endorsements). However, renters insurance does not cover floods, earthquakes, or routine wear and tear. You can, however, buy separate policies for flood and earthquake damage.
If you are forced out of your home because of a covered loss, your additional living expenses can also be covered.
Renters insurance pays the reasonable additional costs of temporarily living away from your home if you cannot live in it due to a fire, severe storm, or other covered loss. It covers hotel bills, temporary rentals, restaurant meals and other living expenses incurred while your home is being rebuilt. Coverage for additional living expenses differs from company to company.
Renters insurance also covers your legal liability to other people injured at your home or elsewhere by you, a member of your household, or your pet. It may also pay legal defense costs if you are taken to court.
Decide How Much Insurance 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.
Looking for coverage? Click the following link to submit a quote for quick, accurate, and affordable rates.
Access customer service forms directly from our website. Click the following policy service option below.
All policies contain certain exclusions, limitations, and/or endorsements which may exclude, limit, or alter coverage. Therefore, please read your policy and any subsequent endorsements/changes for an understanding of the coverage provided.