Renters Insurance

Renters insurance provides financial protection for your personal belongings in case of theft, damage, or loss. It also offers liability coverage, which protects you from lawsuits if someone is injured on your property.

What Does Renters Insurance Cover?

A standard renters insurance policy typically includes:

• Personal property coverage: Protects your belongings, such as furniture, electronics, clothing, and appliances, from theft, fire, water damage, and other covered perils.
• Liability coverage: Protects you from financial loss if someone is injured on your property or if your belongings damage someone else's property.
• Additional living expenses: Provides temporary housing costs if your rental unit becomes uninhabitable due to a covered loss.

Why Do You Need Renters Insurance?

Even if you have minimal belongings, renters insurance is essential. It offers affordable protection against unexpected events that can cause financial hardship. Landlords' insurance typically doesn't cover your personal property.

Benefits of Renters Insurance

• Protects your belongings: Covers the cost of replacing stolen or damaged items.
• Liability protection: Safeguards you from lawsuits.
• Peace of mind: Provides financial security in case of unexpected events.
• Affordable coverage: Renters insurance is typically inexpensive.

Factors Affecting Renters Insurance Costs

Several factors influence the cost of renters insurance, including:

• Location: Areas with higher crime rates or natural disaster risks may have higher premiums.
• Coverage limits: The amount of coverage you choose will impact your premium.
• Deductible: A higher deductible generally results in lower premiums.
• Rental unit: The type of rental unit (apartment, condo, house) can affect your rate.

Contact us today to get affordable renters insurance that fits your needs.