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Tenant Insurance

Our Expertise Is Your Best Policy

You rent a house, condo or apartment. It's the place that you call home. Just because you do not own a house does not mean your belongings should not be protected. A lot of nasty things can happen to your personal effects. Unfortunately, Tenant Insurance is often an overlooked necessity. For very little money tenant insurance is designed to do two basic things:   Protect your property Protect you from legal actions

Here are a few things you should consider in choosing a tenant's insurance program.
 

Protecting Your Property

Insure To Value - Tenant policies are designed to replace your belongings from loss or damage. Accordingly, you need to determine the cost of your personal effects if you had to go out and buy them tomorrow. Insurance companies will only pay up to the amount of insurance you purchase. So it is up to you to make sure you have sufficient insurance. We have inventory booklets to assist you with determining your proper limit of insurance.

Replacement Cost For Your Personal Property -  In most instances "New for old" coverage is available for your personal property. Most of the policies we arrange include Replacement Cost protection. All you have to do is make sure that your amounts of insurance are sufficient to replace your property at today's prices.

Sewer Backup Protection – One of the most unpleasant losses to your home may involve the backing up of water (and other things) from your sewer main. Coverage is available to protect you from the cost of repairing your home and replacing your personal property from Sewer Backup Damage.

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Protecting You From Legal Actions 

All residential policies include coverage for Personal Liability protection. You may unintentionally injury someone or their property as a result of your actions. Personal Liability coverage will protect you if it is determined you were responsible. In addition, even in the event of false accusations, the policy will provide for the cost of legal expenses in raising your defense. Of course the policy contains limitations and conditions as to the types of acts it will protect you for. For example, intentional or criminal acts are not covered.

Typically, Tenant Insurance is one of the most inexpensive forms of insurance. Coverage can be obtained for as little as $15 -20 per month.

If you would like more information on obtaining Tenant Insurance, please Contact Us.

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