Renters Insurance Quote Forms
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Renters Insurance Information
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With renters insurance, you will be able to replace what is damaged or stolen.
Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing.
However, renters insurance does not cover floods, earthquakes or routine wear and tear. You can, however, buy separate policies for flood and earthquake damage.
If you are forced out of your home because of a disaster your additional living expenses will be covered.
Renters insurance pays the reasonable additional costs of temporarily living away from your home if you can't live in it due to a fire, severe storm or other insured disaster. It covers hotel bills, temporary rentals, restaurant meals and other living expenses incurred while your home is being rebuilt. Coverage for additional living expenses differs from company to company.
Renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court.
Decide How Much Insurance You Need.
Add up the cost of everything you would want to replace if it were damaged or stolen. This could also serve as the basis for an inventory that will make filing a claim easier. For an inventory, also record model numbers, dates and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in safe place away form your home.
If you rent an apartment or house you need insurance to protect your belongings. While your landlord might have insurance, it only protects the building. Your belongings are not covered under those policies.
Renting from Private Landlords vs. Property Management Companies
Renting an apartment from a property management company often offers certain luxuries and securities. For example, the community may include amenities like an exercise room, a pool and a laundry facility. With well-rated companies, you can typically look forward to quick rent payment processing and an organized maintenance crew. However, renting from a private landlord, though a different process, may offer more flexibility with a friendly, personal touch.
Many people are already familiar with renting an apartment from a property management company, to explore the intricacies of renting from a private landlord, check out our blog post.
Adulting is hard. Insurancing is easy. Travelers Renters Insurance. Because your landlord's policy doesn't cover your stuff.