Renters

Are you covered?

Renters insurance is important for several reasons, even though you may not own the property you live in.

Here's why having renters insurance is a good idea:

1. Protection for Personal Belongings: Renters insurance covers the cost of replacing your personal belongings if they’re damaged, stolen, or destroyed due to events like fire, theft, vandalism, or certain natural disasters. This could include electronics, clothing, furniture, and other valuable items.

2. Liability Coverage: If someone is injured in your rental property or if you accidentally cause damage to someone else’s property, renters insurance can protect you from financial responsibility. It can help cover medical expenses or legal fees if you’re found liable for the incident.

3. Affordable: Renters insurance is typically much more affordable than homeowners insurance, often costing just a few dollars per month. Given the financial protection it provides, it’s an inexpensive way to protect yourself and your belongings.

4. Loss of Use Coverage: If your rental unit becomes uninhabitable due to a covered event (such as a fire or storm), renters insurance can help pay for temporary living expenses. This might include hotel stays, meals, and other essentials while your home is being repaired.

5. Protection for Guests’ Belongings: If a guest’s belongings are damaged while at your place (for example, if your pet damages their things or there’s a fire), renters insurance can help cover the cost of replacing them.

6. Required by Landlords: Some landlords or property managers may require tenants to have renters insurance as part of the lease agreement. This helps reduce the landlord's liability and ensures that tenants have coverage for their own possessions.

7. Peace of Mind: Renters insurance provides peace of mind knowing that if something unexpected happens, you won’t have to bear the full financial burden alone. Whether it's a fire, theft, or an accident, you’ll have coverage to help you get back on your feet.

Click below to enroll in a plan or schedule a meeting.

ePremium Renters Insurance