For Renters Who Want More From Their Insurance
Your possessions are worth a lot to you. When you rent an apartment or house, you need insurance that covers you and your belongings in case of an unfortunate event. Renters insurance gives you the protection you need at a price you can afford.
The Essentials of Quality Protection
Personal Property Coverage
Covers your furniture, clothing, appliances, electronics, and many other personal belongings if they’re damaged or stolen.
Personal Liability Protection
Provides protection if a guest is accidentally injured in your home, or if you, household members, or your pets cause damage to others’ property.
Coverage While Traveling
Your covered items are protected even when you take them with you while traveling away from home.
Additional Living Expenses
If you have to temporarily move out during covered repairs, your policy can help cover additional living expenses like hotel costs.
Improvements Coverage
Covers some of the improvements you’ve made to the rental unit, such as built-in shelving or upgraded fixtures.
Legal Defense Costs
Your policy can cover costs associated with defending you in a lawsuit related to an injury or property damage claim.
Optional Coverages for Extra Protection
While basic renters insurance may be appropriate for some, your situation may call for optional coverages for complete protection:
Personal Articles Coverage
Protects specific high-value items like engagement rings, watches, or collectibles with scheduled coverage.
Valuable Items Plus
Provides broader coverage for special property such as jewelry, silverware, fine arts, furs, cameras, guns, musical instruments, and personal computers – without the inconvenience of an appraisal or listing of the insured items.
Contents Replacement Cost
Allows you to repair or replace most personal property in your apartment with no deduction for depreciation – get the full replacement value.
Enhanced Home Protection
Bundles together our most popular optional coverages to broaden and expand the coverages provided by your basic policy. Includes contents replacement cost.
Discounts to Save You Money
Renters insurance is competitively priced. And, to make it even more affordable, we offer discounts if your home is equipped with:
24/7 Claim Service
Report your claim anytime, day or night. Claim representatives are available 24 hours a day, seven days a week.
Why Renters Insurance Matters
Many renters assume their landlord’s insurance covers their belongings – but it doesn’t. Your landlord’s policy only covers the building structure, not your personal property. If there’s a fire, theft, or water damage, you could lose everything without renters insurance to help you recover.
What’s Typically Covered
Getting Started Is Easy
To get a renters insurance quote, you’ll need:
Protect Your Belongings Today
Renters insurance is affordable and easy to get. Contact an independent agent to find the coverage that’s right for you.
Get a Free QuoteOr call 1-800-942-0904
All coverages are subject to the provisions, exclusions, and conditions of the applicable policy. Coverages are subject to individual insureds meeting underwriting qualifications and to state availability. Contact your agent for complete details.