Renters Insurance
What’s at risk if you don’t have renters insurance? While your landlord most likely has insurance on the dwelling structure, you are responsible for insuring all of the items you own, including furniture, clothing, electronics and other possessions. Whether you rent an apartment, condo, townhome, single-family home or another type of residence, your renters insurance can provide coverage and help with costs when:
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A catastrophe strikes and you need to relocate and find temporary housing
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Someone claims to have been injured at your residence and you have legal bills and recompense you owe
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You are held responsible for damage to someone’s property and have legal bills and recompense you owe
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You are traveling and your luggage is lost or stolen or your car is broken into
Your McClure Insurance professional will also help you determine if you need more coverage than what the standard renters insurance policy provides. For instance, if you own artwork, antiques, jewelry, or other high-value items, we will ensure that you are covered in case of a loss due to theft, fire, or other peril. Plus, if you need it, our insurance professionals will advise you on boosting your coverage through personal umbrella insurance.
Please call us at (800) 982-0929 for a free renters insurance quote or to schedule a meeting with one of our personal insurance professionals.
Comprehensive Renters Insurance May Cover the Following Items if Stolen or Lost:
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All Electronics – Like your Laptop, Xbox, Camera
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Smart Phones and Head Phones
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Furniture
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Fancy Shoes, Handbags and Jewelry
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Your Mountain or Street Bike
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Fine Art and More…
Know the value of your personal possessions when shopping for renters insurance
Having a current estimate of the value of your personal possessions is important when you are shopping for renters insurance or speaking with an insurance specialist. It will help ensure that you choose an insurance coverage that will replace all of your personal possessions in the event of a burglary, fire or other covered disaster. The best way to determine the value of all your personal possessions—including furniture, clothing, electronics, appliances, kitchen utensils and even linens—is to create a home inventory. This is a detailed list of all of your personal possessions along with their estimated value. An up-to-date home inventory will also make filing an insurance claim faster and easier.
The Insurance Information Institute offers free Web-based home inventory software, available at www.knowyourstuff.org.