Renters Insurance for Tenants

Renting a house, apartment, townhome or manufactured home? The need for Renters Insurance is important.   When renting the home the owner or the landlord may not require renters insurance but the need for insurance is still real.

What ever your monthly rent is renters insurance can protect you from:

• Personal Property Coverage is also inherent in the renter’s policy.  Many of tenants do not value their possessions or understand the level of loss when all is destroyed.  Renters insurance can position you with coverage from $15,000.00 to $150,000.00.  Consider all of the possession you have in the home including all bedrooms.   The value can add up quickly.   Coverage also extends to items stolen from your car, hotel, or a remote location that you occupy temporarily.
• Loss of use is also an important coverage.  If the home is damaged and you can no longer occupy that home, renters insurance positions you with additional funds for the extra cost of living somewhere else.
• Scheduled Personal Property can provided added coverage for your valuable items.  If something “mysteriously disappears” like a diamond necklace, having coverage to replace the item can help keep the stress lower.   This type of coverage can have a different deductible than the renter’s policy.  Many times the deductible is “0.00” for all reasons of loss.
• From losses occurring while living at the home.   Imagine a frying pan catching fire and the smoke causing damage to walls and ceiling of the home, renters insurance can position you with liability coverage.  The owner may have insurance to repair your damage or to protect themselves from your negligence.  When the negligence or cause points back to you the tenant, a renter’s insurance policy positions you with coverage.

As a potential tenant, having renters insurance prior to your move-in can position you with protection from the day of move-in and onward. 

Don’t wait until after you move-in, print out the following application and fax it to our office or fill-in the following online application and a member of our staff will be in touch quickly.

Our agency is privately owned and your data will be held close and not result in calls from hundreds of different agencies.

1-877-MattLocke or click here for more information about our agency.

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