Renters Insurance

Protect Your Personal Property With A Renters Package

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Your landlord's insurance policy will not protect your personal belongings in the event of a claim.

Not all Renters policies are created equal.

While it's true that many policies have similar baseline coverage, there are many subtle differences and package options that can make a big difference in the event of a claim.

Common Renters Coverages:

Personal Property (Cov C)

This covers all of your personal belongings like clothing, furniture, electronics, and appliances. The amount of coverage can be calculated on a Replacement Cost (RC) or Actual Cash Value (ACV) Basis. (For more information on Replacement Cost vs. ACV, contact us)

This is often incorrectly assumed to be Replacement Cost, so it's an important detail to check in your specific policy.

Loss Of Use (Cov D)

This covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.

Medical Payments (Cov E)

This covers medical expenses for guests if they are injured on your property. It does not cover health care costs for you or other members of your household.

Family/Personal Liability (Cov F)

Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. Your personal liability coverage should be high enough to protect your assets, such as personal property, savings, and future wages, if you are sued.

In some situations, an Umbrella policy may be necessary to provide extra coverage. (For more information on Umbrella policies, contact us)

Are you ready for a better insurance experience?

Contact us today for a consultation.