Personal liability protection is important.
Are you covered?
Have peace of mind knowing that you are covered.
What if your dog bites someone?
Do you have coverage for that? If your answer is, “My landlord covers that – it’s part of my rent,” that’s not necessarily true. Your landlord’s insurance only covers liability for which he or she is responsible. It doesn’t extend to your liability.
Fortunately, your renters insurance policy provides liability coverage. So, if someone is injured in your apartment due to your negligence (maybe it was a dog bite or a rug they tripped over) and that person submits a claim or files a lawsuit against you, your renters policy will help protect you.
Good to Know
How much insurance should I buy?
You should make sure you have enough insurance to replace all of your personal possessions in the event of a burglary, fire or other covered disaster. The easiest way to determine the value of all your personal possessions is to create a home inventory — a detailed list of all of your belongings along with their estimated value.
Should I choose replacement cost or actual cash value coverage?
Actual cash value policies include a deduction for depreciation (that is, the idea that items lose value over time). Replacement cost coverage is pricier but can be well worth the extra expense if your belongings are damaged or destroyed (think about how much you’d get for your TV used versus how much it would actually cost to replace).
What is my deductible, and how does it work?
A deductible is an amount of money you responsible for paying before your insurance coverage. For example, if you have a $500 deductible and a fire destroys $5000 worth of furniture, the first $500 is your responsibility and your insurance company will cover $4500.
Think about what it would cost to replace EVERY item in your home.
Do you have adequate insurance to cover your antiques or collectibles storage wardrobe furniture electronic devices jewelry art __________ ?
A Few of the Insurance Companies We Work With
We work with a variety of carriers to ensure that they fit your needs.
Are You Covered?
That’s why we’re here. Fill out the form and our team will help you get the coverage you need.