Not only does renters insurance protect your belongings worldwide (i.e. in your home, your car, or your luggage) from perils such as theft, fire, and water damage, it also protects you financially if you were to be held responsible for injuries or property damage. Our policies offer broad coverage with fewer exclusions than many competitors and start at about $10 per month.
Even if your landlord does not require a renters policy, it is important to carry nonetheless.
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Insurers We Work With
We work with a variety of Insurers but here are a few of our most popular.
Available Renters Insurance Coverages
Personal property coverage covers your belongings, including furniture, electronics, clothing, kitchenware, etc. The personal property limit is based on the value of your belongings. Renters insurance policies include sub-limits, which can be increased, on valuables and items that are frequently stolen.
Loss of use coverage covers additional living expenses, primarily a hotel, apartment, or rental home, if your home is rendered uninhabitable by a covered loss. Coverage under a renters insurance policy is based on living expenses and the time it might take to repair your home or move permanently.
Medical coverage covers medical expenses if a guest injures themselves. Keep in mind that if a guest holds you responsible for injuries, renters insurance liability coverage would respond, so we consider this coverage to be optional.
Liability coverage protects you financially if held responsible for most injuries or property damage outside of a motor vehicle. Examples are injuries caused by a trip/slip on your property, dog bites, or while playing sports. We recommend limits under a renters insurance policy of at least $300,000.
The deductible under a renters insurance policy is essentially your share in the cost of a property loss.
With our easy process, you can rest assured knowing that you are getting the best value and most coverage for your dollar.
Collect the bare minimum information.
Present a quote, including all available discounts.
Offer recommendations to improve coverage or lower premium.
Bind coverage and provide insurance documentation.