Renters Insurance ONLINE QUOTE

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Can You Afford To Be Without Renters Insurance?

Renters Insurance provides you protection for many of your personal belongings if they are stolen or destroyed by a fire or other covered cause of loss.

A Renters Policy Provides These Coverages:


covers your possessions against covered loss or damage from many perils, including those listed here, plus several others listed in your policy (subject to policy terms and conditions.

  • Fire
  • Lightning
  • Smoke
  • Explosion
  • Wind And Hail
  • Water Damage from Plumbing, steam or water heating systems.
  • Vandalism, Riot


can help protect your personal property against several types of loss due to theft. (subject to policy terms and conditions.

  • Theft On Premises
  • Theft Off Premises


up to the limits of your policy against certain liability claims brought by others for bodily injury or damage to their property due to a covered accident (subject to policy terms and conditions.

Guest Medical Protection provides payments for reasonable medical expenses of your quests who are accidentally injured on your property as a result of a covered loss, whether or not an accident in your home was your fault.

And what if a tragedy forced you from your apartment? What would you do in the meantime for a place to stay?

Your policy will pay the reasonable increase in living expenses to maintain your normal standard of living, for up to the amount of time specified in the policy, if a covered loss makes your residence premises uninhabitable (subject to policy terms and conditions).

Choose Optional Coverages to
individualize your Policy.

You can enhance your policy to suit your personal needs. For an additional premium you can increase your protection for certain expensive items such as:

  • Jewelry, watches, and furs
  • Theft Of Silverware
  • Personal Computers
  • Portable cellular communication systems.

By buying a "rider" you can have coverage for specified pieces of personal property such as those listed above.

What Your Standard Policy DOES NOT cover:

Damage From Flood is not covered unless you purchase a separate insurance policy specifically for flood damage.



You may save money on your Premium. Discounts are available that could help reduce your premium. Talk to us to see if you qualify.


By installing certain protective devices. such as smoke alarms, fire extinguishers, and deadbolt locks, you may be eligible for a discount.

If you're 55 years of age and retired, you may be eligible for up to a 10% discount.

Ask Yourself...


How much is it all worth?

Take some time to estimate how much your clothes, furniture, electronic equipment and other personal belongings are worth. Consider the amount of money it would take to replace all those items.

How much am I willing to pay before my insurance kicks in?

Your policy comes with a deductible--the amount you pay before insurance takes over. For instance, if there is a fire in your apartment and $1,000 worth of valuables are destroyed and you have a $250 deductible, you will pay $250 dollars and your insurance will pay the rest, up to policy limits, if those items are covered in your policy.

Keep in mind that a lower deductible generally means a higher insurance premium. A higher deductible generally means a lower premium.

Some More Questions....


What are the odds of my home being burglarized?

Chances of a burglary in your home are greater than you think. In fact, a burglary occurs about every ten seconds. According to recent FBI statistics, two of every three burglaries occur in homes, condos, or apartments.

What if I'm held-up while I'm away from my home, or if I'm a pickpocket victim?

With an off-premises theft policy your covered belongings are protected against loss away from home or on vacation. This coverage includes protection against loss from robbery, pickpocket theft....even credit card loss, forged checks, or counterfeit money. This coverage is optional to your basic renter's policy.

What if my child accidentally breaks a neighbor's window?

Our renter's policy covers property damage caused by you or your family members (up to policy limits). This family coverage is automatically included in our Renters policy.

Exactly what do you have to lose in personal property?

First, go through each room in your apartment and list the items that you feel are of value. Even the small items you own, when added together, could amount to a great deal of money.

How much do you stand to lose - in dollars?

Now, you can estimate the approximate current value of each item. Total the value of each room and, finally, figure the grand total of your personal possessions. You may be surprised at how much you have.

Renters Insurance or Home Insurance

My landlord has insurance. Why do I need Renter's Insurance?

Most people have the misconception that they do not need renter's insurance because they rent and believe they are covered under their landlord's insurance. Your landlord generally does not have to provide insurance for you. Your landlord may have enough insurance to cover any loss or physical damage to the building itself, but this usually does not include insurance coverage for the personal property or liability of the tenants or renters. Even though you rent you can still become legally responsible for injury to someone else whether it happens at your residence or elsewhere. You can also lose your personal property and valuables to theft, fire, or other covered peril. Your landlord's insurance generally does not have to cover the tenant's personal property and liability. Therefore a renter should get adequate protection with renters insurance much like a homeowner gets with homeowners insurance.

Does renters and home insurance cover all my possessions?

Certain personal property may have a dollar limit on how much the insurance company will reimburse you for. You may need to buy "floaters" for things such as cash, jewelry, and certain other types of valuables for which a basic policy does not sufficiently cover. A floater can increase your level of protection on certain types of personal property or valuables. You may need an umbrella policy for such items such as expensive jewelry and other valuables that exceed the dollar amount covered by a standard policy.

Expensive items including jewelry, furs and silverware are covered, but there are usually dollar sub limits if they are stolen. In general, you are covered for only $1,000 for all of your jewelry and furs. To insure these and other expensive items to their full value you must purchase a scheduled personal property endorsement and insure each item for its appraised value, or increase the sub limits .

Is Renters Insurance expensive?

Renters Insurance is generally inexpensive especially if you consider the value of your possessions if you had to replace them, or the potential cost if you had to defend yourself in a lawsuit and pay a judgment award. A renters policy can cost as little as a few hundred dollars a year.

What protection do I get from renters insurance?

Most Renters insurance policies are similar to homeowners policies. Generally this covers your furniture, clothing, TV, stereo, appliances, and other personal property, subject to the terms and coverage limits of your policy, and policy deductible. Certain valuables require extra protection and a higher premium. Check with an insurance agent if you want certain items like jewelry and furs insured for higher amounts than a basic policy covers. Renters Insurance also provides family liability, if you or a family member are sued in a lawsuit. Also medical guest protection to pay for medical bills if a guest or visitor is injured on your premises.

Am I covered for personal property loss if I am away from home or on vacation?

Coverage for personal property can be worldwide. Generally you are covered if the loss or damage to your personal property is the result of any of the perils covered in your policy such as theft, fire, lightning, smoke damage and other covered perils. For example, if your clothes are stolen while you are on vacation. Coverage however can vary from 10% to 100% of your personal property coverage. Check with your insurance company for the exact details of coverage You will need to make sure you have off premises coverage in your policy.

How much renters insurance should I buy?

Consider taking a complete inventory of your personal property and belongings, estimating their value, and determining how much it would cost you to replace all of your possessions in case of a loss.

You should make an inventory list of each valuable item in your apartment, condo, or rented home. Write down the serial or model number, the date of purchase, and the purchase price. Most insurance companies have inventory pamphlets that you can use for this purpose. Keep this inventory list in a safe place, in a safe deposit box, or in a place other than your home. Consider taking photos or video-taping your possessions in case you have to file a claim with the insurance company. Your insurance agent or insurance company can help you about preparing an inventory of your possessions.

How much protection do I really get on personal property?

Keep in mind that coverage for certain types of property has a dollar limit. You may need to get special coverage or extra amounts of protection for these items which a basic renters insurance policy may not cover. Here are some typical items which may have "special limits." in a renters policy. If you have this type of property you may need special coverage. Ask your insurance agent about these items.

  • Money, bank notes, coins, securities, negotiable instruments
  • Business property (on and off premises)
  • Jewelry (diamond rings for example)
  • Furs and Computer Equipment
  • Firearms (limitation applies to theft only)
  • Silverware and goldware (limitation applies to theft only)
  • Watercraft, including trailers, furnishings and equipment
  • Trailers (other than boat trailers)

If you have this type of property you may need special coverage. Talk to an insurance agent about these items.

Are unmarried couples covered?

Some insurance companies now allow unmarried couples who have been living together for a certain amount of time to get insured under the same policy. This permits them to have one joint policy, instead of two separate policies. Each person's name should be on the policy.

If I share my apartment with a roommate, do both of us need separate renters insurance policies?

Standard renters insurance policies generally cover only you or relatives that live with you. A roommate that is not a relative will need a separate renters policy to cover his/her own property and liability.

Am I covered if my rented or borrowed items are stolen from my apartment?

Generally items that are in your possession are covered under a standard renter's policy. Check with your insurance company for the exact details of coverage.

Is my bicycle or car covered by renters insurance?

Your bike is covered, but your car or any other vehicle is not. You need to buy a separate auto insurance policy to protect your car, van, or motorcycle.

Why is renters insurance mandatory in some apartment complexes?

The owners of these apartment complexes want to make sure their tenants have personal liability insurance in case their negligence results in damage to their apartment. Even though the owners may have insurance to protect their building, their tenants could be sued by the owners insurance company for damage. The owners want to make sure that the tenant has insurance coverage to protect the tenant or tenants.

What affects the price for Renters Insurance?

  • Where You Live Where you live or your geographic area will affect your premium rates because certain areas are more subject to specific perils. Also the degree of fire protection in your area will influence your rates since regions are ranked on a scale of one to ten in terms of their fire department service. Naturally you will pay more if you live in an area with a poor water supply or where there is no fire department within a 10 mile radius of your residence.
  • Building Construction The construction type of your building (frame or masonry, for example) can affect your cost for renters insurance. In apartment buildings, the number of apartments per building is also taken into account.
  • Coverage Amount The limits of liability or dollar amount of coverage you select will affect your rates. Also increasing your coverage by selecting, optional coverages or endorsements will increase your premium.

How can I save money or get a discount on renters insurance?

You can save money by choosing a higher deductible if you want to risk paying a higher out of pocket cost in the event of a loss. The standard deductible for coverage C is $250.00, but you can increase the deductible amount up to $2500 if you want to accept a higher out of pocket risk.

Insurance companies frequently offer discounts on renters insurance to their auto insurance customers. This is known as a Multi-Line or Multiple Line discount. You may also be able to get a discount if your apartment, condo, or home has a security system, smoke detectors, or deadbolt locks. Ask your insurance company about these and other discounts you may qualify for.

Should I review my home insurance policy with my agent?

Yes. You should review your policy with your agent or insurance company professional in order for you to fully understand what is covered, and what is not covered. For example, flooding is not a covered peril in a renters insurance policy. However, you may be able to buy flood insurance if you live in an area where flooding is more likely to occur. Understand the limits, exclusions, policies, terms, and conditions of your policy. Talk to your agent to avoid any surprises or financial losses for which your policy may not cover or sufficiently cover.

Could you describe, in detail, each piece of property you own?

Personal items can be identified with a photograph. In fact, a photograph of each room can help in determining the full magnitude of your loss. It is a good idea to store these pictures in another location in case of fire.


Many renters don't realize they have a lot to lose, whether it's personal belongings or financial loss due to legal liability. If you don't already have renters insurance, you may question its importance and the coverages it provides. Check out the answers by speaking to one of our agents. You may be surprised to learn just how much you risk losing without proper insurance for both your personal liability and your personal belongings.