Renters Insurance At A Glance
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Speak with your agent about what is covered and be sure to read your policy so you know exactly what’s included and what is not.
What is Renters insurance?
Renters insurance protects you against loss if you have a break-in. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Most Renters policies are for six months or a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.
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Why Do You Need Renters Insurance?
It’s really all about protecting yourself financially.
- If you’re in a situation where your valuables are stolen, it costs money, often a lot of money, to fix or replace it.
- Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
Things to consider and questions to ask your agent:
Your Independent Agent is an advocate for finding Renters insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
- How much can you afford to pay if you have a claim? (To keep premiums low you may want to have a higher deductible and be willing to pay more.)
- What discounts are available?
- What’s the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
