Renters Insurance Policy Information

Learn more about the specifics of renters insurance policies. We'll explain whom the policy covers, how to save money on your policy, and what warrants additional coverage.

Protect Yourself & Your Guests

Accidents happen sometimes, and you want to make sure a liability lawsuit doesn't jeopardize your assets and financial security. Accidents that happen in your apartment or condo could mean that you will be held liable for the resulting injuries or damage to another's property. Applying for renters insurance rates can make sure that you have coverage that includes:

• Personal liability protection for you, relatives who live with you, your spouse, and anyone under the age of 21 in your care
• Protection against claims that you have a legal obligation to pay, such as for the sickness, disease, injury, and death of others
• Coverage of the cost of legal fees to defend yourself in a lawsuit
• Medical bills of others
• Accidental death benefits

Minimizing the Cost of Your Policy

Getting multiple quotes, like the ones we provide on our site, is the best way to get the lowest renters insurance rates. However, you can also minimize your renters insurance rates by qualifying for the following discounts:

• Fire extinguishers
• Monitored fire/burglar alarms
• Ultrasonic burglar alarms
• Fire sprinklers
• Dead bolts on all outer entryways
• Multiple policy discount

When You Need Additional Coverage

If you have items in your apartment or condo that are especially valuable, you might want to opt for additional coverage when you apply for renters insurance rates. Such items include:

• Jewelry and furs
• Guns
• Securities and stocks
• Expensive china or silverware
• Boats or trailers

If you have any questions, please visit our FAQ page.