What you need to know about renters insurance.
Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home. For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.
Your renters insurance policy also protects you and your family against certain bodily injury and property damage claims for which you are liable. Legal defense is also provided in the event you are sued after a covered loss, subject to the limits you have selected. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault.
Extra coverage doesn’t have to cost a lot.
Whether you’re starting out, between homes or downsizing, we will help you pick the renters insurance coverage that best fits your needs. We’ve found that good coverage can be purchased for as little as $150 per year. If you have special valuable items such as jewelry, art, antiques or collectibles, ask about our Valuable Articles option which provides broader coverage and no deductible in the event of a covered loss. Be sure to ask about available discounts including burglar alarm credits and the account credit for customers who package auto policies with their renters policy.
Call us to get a free quote. You’ll be glad you did.