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Imagine that you’ve just come home from work to discover your home’s been destroyed by fire. Everything you have worked hard to accumulate over the years is gone including your TV, clothes and furniture. Who is going to pay to replace all of your possessions? Where will you stay until everything is sorted out? Will your landlord’s insurance policy pay to replace your stuff? Unfortunately, your landlord’s insurance policy may not be of much help in replacing your possessions, but this is where the benefits of having a solid renters insurance package in place can really make your life much less complicated. Best of all, the premiums for renters insurance are typically very affordable, especially when packaged together with your auto insurance.
Renters Personal Property Coverage
Renters insurance typically provides benefits for your personal property against theft, vandalism, fire, smoke, wind, hail as well as many other perils. Did you know most personal property stolen from your vehicle, such as a laptop, typically falls under a renters insurance policy rather than your auto insurance?
Renters Loss Of Use Coverage
Loss of use coverage provides coverage for additional living expenses that may be incurred by an insured in the event of a covered loss. Typical expenses that fall under loss of use coverage include hotel, meals and related expenses you may incur as a result of a covered loss.
Personal Liability Coverage
Personal liability coverage generally provides insurance against claims arising against most unintentional acts of insureds as well as their pets. While the likelihood of a lawsuit is not very high, the financial impact can be devastating without adequate liability insurance limits.
Renters Insurance Discounts
Combine your renters and auto insurance to get substantial multi-policy discounts up to 15%!
Optional Renters Insurance Coverage’s
Contents Replacement Cost Coverage
This coverage allows allows your personal property to be replaced in the event of a covered claim without deducting for depreciation. Standard renters insurance policies typically provide coverage for personal property on an actual cash value basis.
Personal Articles Floater
This endorsement provides coverage for personal articles that may not be covered, or may be subject to special sub-limits under ordinary personal property coverage such as furs, fine arts or jewelry.