Whether renting an apartment or home, you need the right protection for what matters most to you
Your personal belongings are just as important as a homeowner’s if you rent, but did you know they may not be covered?
Your landlord most likely has a policy on your unit, but it does not protect your belongings, your liability, or provide you with a place to live if your unit is damaged.
Renters insurance is an important policy that protects your belongings, limits your liability, and can even provide you with money to stay somewhere else if your current place is uninhabitable.
It’s crucial to have a trusted advisor who knows the intricate details of renters insurance.
When you purchase your renters insurance from Choice Insurance Agency, your agent will take the time to calculate exactly how much coverage you need.
Understand exactly what you need to cover
Renters insurance is equally important as homeowners insurance. Landlords may require you to have a policy.
It’s an inexpensive investment to give you peace of mind.
We can help you understand exactly what you need to cover, but there are three key components in the event something happens to your unit.
Personal Liability and Medical Payments to others
covers in the event someone is injured in your home for which you’re liable.
Loss-of-Use
covers living expenses in case your unit is damaged and becomes temporarily uninhabitable.
Personal Property
covers your belongings.
How much renters insurance do you need?
Take a rough inventory of your belongings to determine how much renters insurance you require. How much money would it take to replace everything you own? At the very least, you should have enough property coverage to replace your personal belongings. Consider your assets and speak with one of our trusted advisors to determine how much liability coverage you need.
Consider how much money you’d need to relocate if your current home became uninhabitable tomorrow. How much does a hotel room in your area cost? How long would you stay in a hotel before moving on? Up to your coverage limit, your loss of use insurance will pay the difference between your additional living expenses and your normal day-to-day expenses.
WE CAN HELP
You Want the Right Coverage for Your Specific Needs
- Our local trusted advisors are ready to help you and give you one point of contact for all your policies.
- We are committed and focused on your account, saving you time from having to search for the right coverage for your specific needs.
- Should you have a claim, our claims advocacy team will be on your side and help you achieve a successful outcome.
