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      F A Q

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What's does my Renters Insurance Cover?


Personal Property Protection
Safeguard your valuables, such as fur
niture, electronics and clothing. Personal Property Protection covers the loss of your belongings if they're stolen or damaged.

Additional Living Expenses
If a covered loss makes your home uninhabitable, Renters Insurance will help pay for increased living costs. Such expenses typically include food, a temporary place to live, and more.

Liability Protection
Liability Insurance helps protect you against financial uncertainty that can arise if someone sues you for damages after being injured on your property. It typically even covers injuries whether they happen on or away from your property.

Guest Medical Protection
Guest medical coverage, included in most residential insurance policies, provides protection if someone incurs medical expenses from an injury suffered at your place.

How can I pay my Renters Insurance?

You can pay by Cash, Check, eCheck, Credit Card, Debit Card, or Bank Draft. You're Renters Policy can be paid yearly or monthly. BONUS FACT: You get a discount for Bank Draft and for paying your yearly premium up front!

Doesn't my Landlord's Insurance cover my stuff?

No. Your landlord's insurance covers the building structure. Generally, it doesn't cover your personal belongings such as your furniture, clothes and electronics. A renters policy will help you repair or replace your possessions if they're damaged by a covered peril (such as theft, fire, smoke and more).

My stuff isn't worth much. Do I really need renters Insurance?

The average renter owns $30,000 worth of possessions. Even your smallest items, like your clothes, linens and DVDs, could add up if you had to replace them all at once. Plus, renters insurance can help protect you in the case of a theft that occurs away from home, stolen or forged checks and stolen credit cards. Renters insurance can also help protect you if someone gets hurt on your property and decides to sue you.

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