If you rent a house or apartment, your landlord’s insurance will only cover the costs of repairing the building if there is a fire or other disaster. You need your own coverage, known as renters or tenants insurance in order to financially protect yourself and your belongings.
Click the flashing yellow buttons to learn more about the different types of renter’s coverage you need to protect your home.
When you call us these are the types of questions we will answer for you:
- How much insurance should you buy? Make sure you have enough insurance to replace all of your personal possessions in the event of a burglary, fire or other covered disaster.
- Should you get replacement cost or actual cash value coverage? An actual cash value policy pays to replace your possessions minus a deduction for depreciation whereas a replacement cost policy will pay the cost of replacing your possessions without accounting for depreciation.
- What disasters are—and are not—covered? Renters insurance covers you against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm and certain types of water damage (such as when the tenant upstairs leaves the water running in the bathtub and floods out your apartment or a burst pipe). Most renters insurance policies, however, do not cover floods.
- What is your deductible, and how does it work? A deductible is an amount of money you pay out-of-pocket before the insurance coverage kicks in.
- What is a “floater” and do you need one? If you have expensive jewelry, furs, sports or musical equipment, or collectibles, consider adding a floater to your policy.
How to Request a Proposal
For an insurance proposal at no obligation or cost please complete the form on this page and click the SUBMIT button.
You can also call us at 800.262.9998 or send us an email.