Renters Insurance Quote Forms
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Renters Insurance Information
Renters insurance may help provide financial protection to those renting their homes. Some landlords require renters to purchase this coverage as a lease condition.
Contact Jim Kelly & Associates today to get appropriate renters insurance coverage.
What Is Renters Insurance?
Renters insurance typically covers personal property, liability, and additional living expenses. This coverage can help protect tenants from financial losses from unexpected events such as theft, fire, or vandalism.
What Does Renters Insurance Cover?
Renters insurance typically includes three main types of coverage:
An experienced agent can help you identify any gaps in coverage and recommend additional options that may benefit you. For example, if you have valuable items such as jewelry, artwork, or electronics, your agent may recommend adding a floater to your policy to provide appropriate coverage.
- Personal property coverage may help cover the cost of replacing or repairing your personal belongings if they are stolen, damaged or destroyed due to a covered event; it typically covers items such as furniture, electronics, and clothing.
- Liability coverage may help protect you financially if you are responsible for a third party’s bodily injury ) or if you accidentally cause damage to someone else’s property. This coverage can help pay for legal expenses and any damages you must pay.
- Additional living expenses coverage may help cover the cost of temporary housing, food, and other expenses if you are forced to temporarily leave your rented home due to a covered event, such as a fire.
How Does Renters Insurance Work?
To purchase renters insurance, you must inform your agent about your rented home and your personal property. The cost of renters insurance can vary depending on factors such as the amount of coverage you need, the location of your rented home and your deductible amount.
In case of a covered loss, you must file a claim with your insurance provider and provide evidence of the damage or loss. Coverage depends on your policy’s terms and limits, and the claims process varies based on the type of claim and insurer. Work with your agent to receive financial assistance following a covered loss.
Contact Jim Kelly & Associates in Libertyville, Illinois, to learn more about your renters insurance options and get a personalized quote.