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Renter’s Insurance

What is Renters Insurance?

If you rent and don’t own your home, having insurance protection for yourself and your property is still important. Like homeowners insurance, renters insurance protects you from events that anyone can face: fire, theft, water damage and other unplanned circumstances – situations your apartment owner’s policy doesn’t cover. Think about this: You’re at work or on a family vacation, and when you return home, you find your building has been damaged by a gas explosion. Building fires, floods, and other damage can happen anytime, anywhere.

Renters insurance typically provides coverage, up to the limits you select, for specified items and situations, including:

• Personal property (furniture, electronics, computer equipment, clothing, etc.).
• Personal liability if someone is hurt, whether in your home or away from it.
• Damage to your apartment or home caused by a covered loss.

Protect Your Apartment, Condo, or Rental House with Renters Insurance

If you are renting an apartment, home, or condo, you can protect your family with A-Affordable. If you don’t own your home and rent, you should have renters insurance. Renter’s insurance will cover damages to your possessions, as well as provide protection from personal liability lawsuits.

Our team of local insurance experts has decades of experience and have helped thousands of renters to find the best policies at the lowest rates.

Renters Insurance Covers More Than Property, Possessions, and Belongings

Renters insurance will protect you from incidents that happen while you’re at home, too, such as a toaster having a meltdown or if someone trips and falls in your apartment, leading to expensive medical bills or even a lawsuit; your renter’s insurance policy would provide you with coverage. Renters insurance provides coverage for your own items, and it provides coverage for other people’s injuries or damages in situations for which you’re liable, as well. Protect your family and your possessions with the best renters insurance from A-Affordable.

It could also be a financial lifesaver. Renters insurance helps to pay for a place to stay if you can’t live in your apartment caused by damage from something like a hurricane or major repair — up to a point. Some policies place time limits on how long they’ll cover expenses of staying in a new place, such as six months or a year, while others put a cap on how much they’ll shell out.

What does renters insurance cover?

• Fire
• Smoke damage
• Theft
• Collapse of the building due to weather
• Water leakage or overflow
• Freezing of plumbing, air conditioning and more

Some landlords — but not all — require tenants to obtain a renter’s insurance policy. And some take things a step further by not only requiring that tenants obtain renters insurance, but also asking to be listed as an interested party on the policy. They typically just want to know if the policy gets canceled and to make sure they understand how the claims process works.

Whether your landlord requires renters insurance or not, it’s a good idea to evaluate your possessions and think about what it would cost you to replace them. For less than the cost of a take-out meal a month, a renter’s insurance policy will help you to rest easier.

Our renters insurance is available to members 24/7 by calling us at 800-330-4116 or by purchasing online at http://www.aaffordableauto.com/. Call us today for a free quote on the cheapest renters insurance on the market.