Renters Insurance Quote Forms
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Renters Insurance Customer Service Options
Policy self-service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Renters Insurance Information
With renters insurance, you will be able to replace what is damaged or stolen.
Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and various other causes of damage.
However, renters insurance does not cover floods, earthquakes or routine wear and tear. You can, however, buy separate policies for flood and earthquake damage.
If you are forced out of your rented home or apartment because of an insured disaster your additional living expenses will be covered.
Renters insurance pays the reasonable additional costs of temporarily living away from your home or apartment if you can't live in it due to building damage caused by fire, lightning, wind, hail, explosion or other insured disaster. It covers hotel bills, temporary rentals, restaurant meals and other living expenses incurred while your home or apartment is being rebuilt.
Renters insurance also covers your legal responsibility for injury to others arising out of your premises or personal activities.
Decide How Much Insurance You Need.
Add up the cost of everything you would want to replace if it were damaged or stolen. Use the cost to replace your property with new, as this is how claims are settled if you choose the Replacement Cost Endorsement on your policy. For an inventory, also record model numbers, dates and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in safe place away form your home.
If you rent an apartment or house you need insurance to protect your belongings. While your landlord might have insurance, it only protects the building. Your belongings are not covered under those policies.
Disclaimer: coverage descriptions above are general descriptions and do not alter the coverage agreements or provisions of the policy. Refer to a policy for full details.