Protecting your belongings from the unexpected.
Home is where you keep the things that matter most to you. With renters insurance, you can rest easy knowing your possessions and valuables are protected.
Renters insurance isn’t just for houses either. Anyone renting an apartment, condo, college dorm room, or house can purchase a renters policy. Everyone deserves that feeling of being covered!
Hey, landlords! Just a heads up that you might need a specialized policy for your rental property. Give us a call, and let’s chat about it.
What to Cover
We offer our clients the flexibility to choose the coverage that best fits their needs. Most commonly, these policies cover your belongings, living expenses if your place is damaged, and protection from costly litigation or medical bills if you’re liable for someone’s injuries that happen under your roof.
However, your policy won’t cover any damages to the roof, building/exterior of your residence or the surrounding premises. That’s your landlord’s responsibility. Now let’s dive into the details.
Personal property – If your belongings are stolen or damaged, this policy covers you. This applies to furniture, clothes, electronics, and more. So, if your home is damaged by fire or water (not flood and other various scenarios), your stuff is protected. Phew!
Temporary living expenses – If your home or apartment is damaged to the point where it is unlivable during repairs, your renters insurance will cover hotel stays and meal expenses above what you’d normally pay for groceries, up to your policy’s limits.
Example: You forgot your lasagna was baking in the oven, and it sparked a kitchen fire. You now have to stay in a hotel while your apartment gets repaired. No sweat! Your policy will cover your living expenses while you are displaced.
Personal liability & medical bills – If you’re liable for someone else’s injuries or property damage, this covers any lawsuits and medical bills up to the limits of your policy.
Example: Remember the lasagna incident? Let’s say that fire reached your neighbors’ apartment and damaged their stuff. On top of that, your neighbor is REALLY unhappy and decides to take you to court. Good news! Your policy will cover the neighbors’ damaged goods AND will kick in to pay for the legal fees.
Additional Coverages
If you’re looking for extra protection, you can add any of these coverages to your policy.
Water back-up – If your home or apartment experiences any water damage due to sump pumps or plumbing back-ups, this coverage will pay for the damage to your belongings and the water removal.
Personal injury – This covers any rare but expensive type of lawsuit from slander to libel.
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Read MoreHappy Renters
Just to name a few.
“My agent put my worries to rest, put everything into layman’s terms, and gave me a quote at a fantastic rate!”
“My agent was a great help to me and my wife with getting our renters insurance sorted for our new apartment. Smooth experience with no stress.”
My agent did a great job on my new renter’s policy. She answered all my questions and was very prompt and professional.”