Who needs Renters Insurance?

     Renters must purchase their own insurance to protect their personal belongings.  Many renters mistakenly assume their stereos, cameras, computers, clothing, jewelry, bicycles, televisions or other valuables are covered under their landlord's insurance, but they are not.

     Renters face a greater chance of loss than homeowners do.  Since most renters live in multiple family dwellings, they can never control what their neighbor does.  If a neighbor starts a fire or has a water leak, can you be sure they would have the necessary coverage to protect you?

     Renters insurance will protect you against losses due to fire or smoke, lightning, vandalism, theft, explosion, tornado, and water damage from plumbing.  Renters insurance will also cover you if someone slips and falls in your home or is injured by any of your possessions and then sues.  Our policy also includes legal defense cost if you are taken to court due to these events.

     A good renter's policy includes a special endorsement called "replacement  coverage."  If you have a loss and do not have this additional coverage, everything in your apartment would be paid based on the "depreciated value", NOT the "replacement value".  Not having this coverage can literally cost you thousands of dollars!  We offer "replacement coverage".  Be sure to read the fine print, purchase a policy that includes "replacement coverage".