We are leading renters insurance experts. We have a team of highly trained and friendly staff who are always willing to work with you to protect your valuable belongings. We have always believed in working for our customers and don’t want to leave any stone unturned to earn your trust. We provide renters insurance policies all across the state.
If you live in a rented house or apartment, your home could fall victim to a natural calamity or theft. Your landlord is not likely to suffer any financial loss because the property is covered under their homeowners or landlord insurance policy. However, the homeowners insurance policy will only cover the expenses incurred by the landlord on replacements or repair. Since the coverage for contents of the building are usually not included in the policy, the tenants are responsible for protecting themselves and their assets. If you still don’t understand the concept of renters insurance, our insurance professionals are always ready to answer your questions.
At times, damaged caused by severe weather or criminal break-in can damage all your assets. It is a good idea to make a complete video of the electronics, furnishing and other personal effects you have and keep it in a safe place. It is important that you know that insurance policies held by the landlord will only protect their assets and will not protect you when your assets are damaged. If you have a renters insurance policy, all your assets will be protected. If you have specific concerns, our experts are always ready to help you.
Some of your assets may be damaged not because of your negligence but due to the negligence of your neighbor. Even if you carefully handle all your assets, your assets can be damaged by factors that are beyond your control. When you purchase a renters insurance policy, you will be protected from any financial loss sustained because of unpredictable and uncontrollable actions of your neighbor.
People who live in a rented apartment or home can be displaced from their home if it is damaged. If the weight of ice causes the roof of your home to cave in or if a fire occurs in your home, you may not be able to live in your rented house or apartment. When you have renters insurance, the insurance provider will pay the expenses you incur when living in a temporary residence.
It is a good idea to get renters insurance policy if you store expensive items like electronics, jewelry or expensive furniture in your rental home. However, before getting a policy make sure you ask our insurance professionals to include riders in the policy that covers all your valuables. If you don’t get additional coverage for your expensive assets, you will be paid up to the maximum policy limit for these expensive items which is could be only $2,500.
Who is liable for injuries?
Most people may find it hard to believe the fact that they are responsible for the personal injury caused due to accidents which take place in their rented residence. Renters insurance will protect you if someone is injured on your property due to your negligence. Since renters insurance is not cheap, it is a good idea to consult an expert before you get a policy.