Renter's / Apartment Insurance
Your coverage options
As your Independent Insurance Agent, we can tailor your policy to fit your needs and budget.
Liability : Coverage for if someone makes a claim against you for accidentally causing an injury-for example someone is hurt in your unit. The cost to defend you is also included
Your Belongings : If your personal possessions - including furniture, clothing, and appliances - are damaged or stolen as a result of a covered loss, your "Personal Property" coverage limit will cover these items to be repaired or replaced.
Additional coverages and benefits
Personal Property Replacement Cost : Ensures that you receive an identical or comparable replacement after a loss - on a named peril basis - with no deduction for depreciation.
Valuable Articles Coverage : If you own high-value items such as jewelry, art, collectibles, or camera equipment, you should consider adding extra coverage to your policy. For as little as a few dollars a month, items are protected for a fraction of what it would cost to replace them.
How your deductible works
A renter's insurance deductible is what you pay out of pocket to repair or replace your personal property when you suffer a covered loss.
For example, if you have a $1,000 deductible and $10,000 in replacement costs of your personal property for a covered loss, you'll pay $1,000 and your insurance company will pay the remaining $9,000.
You have a choice of deductible amounts; choosing a higher deductible lowers your insurance rate but requires a greater out-of-pocket expense should you have a covered loss.
Looking for Renter's Insurance Discounts?
If you bundle your policies you receive a discount, but there is so much more than bundling...
Paperless or E-Documents
Burglar Alarm (including Smart Alarm Discounts)
The more policies you bundle, the more you save!
Making the process easier
24-Hour Claims Assistance : Should you ever need to file a claim, help is just a click away or by calling your chosen insurance carrier. Our partners offer fast, fair, hassle-free claims service & are available 24/7 to assist you.