Renters Insurance
Renters Insurance Quote Forms
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Renters Insurance Information
What is Renters Insurance?
1. Renters insurance covers your "Personal Property" against losses from:
Fire or smoke
Lightning
Vandalism
Theft
Explosion
Windstorm
Water damage from plumbing.
**Renters insurance does not cover floods, earthquakes or routine wear and tear. You can, however, buy separate policies for flood and earthquake damage.
2. Renters insurance also covers your "Personal Liability" against losses from:
1. Other people injured at your home by you, your family members, or pets
2. Other people injured away from your home by you, your family members, or pets
3. It also pays legal defense costs if you are taken to court
3. Renters insurance also covers your "Additional Living Expenses:"
The reasonable additional costs of temporarily living away from your home if you can't live in it
due to a fire, severe storm or other insured disaster. It covers costs such as:
Hotel bills
Temporary rentals
Restaurant meals and other living expenses.
How much insurance coverage do 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.
Renters Insurance Rates - Click Here
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