Renters Insurance

Renters insurance will cover your personal property in the event it is damaged by a covered peril, such as a fire. Coverage can be purchased for either actual cash value (ACV) or replacement cost (RC). Renters insurance can be purchased by a tenant who is residing in an apartment, rented home, or other structure.

Contents Insurance

A renters insurance policy includes coverage for your contents (personal belongings). Some of the perils that are commonly covered include fire, theft, wind, hail, and vandalism. Various amounts of coverage can be purchased to suit your needs.

Renters insurance is very affordable. Basic policies covering $20,000 may be purchased for as little as $65 per year. Higher coverage limits of $50,000, $100,000 or $500,000 can also be purchased.

Loss of Use

Renters insurance policies also include loss of use coverage. Loss of use coverage will pay the extra expenses you incur due to the loss of use of your rental property.

Personal Liability Insurance

Personal liability insurance is included in renters insurance policies. This coverage pays for bodily injury or property damage that you are legally liable to pay due to an occurrence that happens on your rental property. Many landlords require a minimum of $100,000 coverage.

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