Renter’s Insurance


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Since those who rent are by definition not home owners, renters often mistakenly overlook the kinds of insurance available to them. Renters insurance is an easy and affordable way to protect yourself from total lose in case you have to deal with fire, theft or water damage. Some renters insurance policies may also cover your liability for guests or visitors that are injured in your apartment or rental as well as legal. Everyone that rents a home, apartment or condo should have some level of renters insurance to protect their belongings and provide peace of mind.

What Is Renters Insurance?

Renters insurance is an insurance policy that can be purchased to cover your property and belongings inside your apartment or home and while you are away from your residence. The items you own inside your apartment or rental home are covered such as electronics (televisions, computers, game consoles), furniture, clothes, books, and bicycles. It extends to your garage, driveway, patio or deck. Personal property in your vehicle is also covered. So if you need to make a quick stop at a store or restaurant and your book bag with your laptop is stolen, you can have that replaced. If you ride a bike to work or school and have that stolen, renters insurance will cover the replacement cost of that too.

What Do I Need To Know About Renter's Insurance?

Insurance terminology can be difficult. Let's go over some of the more common terms when it comes to car insurance in South Carolina.

Deductible
This is the initial amount you pay out-of-pocket before your coverage kicks in. In most cases, you'll need to pay your deductible up front, even if the claim wasn't your fault.

Premium
The total price you pay for your policy.

Actual Cash Value
The actual cash value is what your belongings are worth today. If you bought a computer 5 years ago for $1,500 then it has lost value or depreciated. If you need to replace your computer because it was destroyed, the insurance company would pay what it is worth today.

Liability Insurance
This is what covers you in case you or your pet unintentionally hurt someone. The property owner or landlords' insurance won't always cover you so it's good to have coverage of your own.

Additional living expenses
If you are temporarily unable to live in your apartment or rental because of things like fire or a storm, your living expenses such as moving, rent or hotel accommodations can be covered. This will cover you for a set length of time until you are able to return to your home.


Presence of Smoke Alarms or Fire Deterrent Systems

If a fire were to break out in your home or apartment, smoke alarms or sprinklers could minimize the potential damage to your home. This means your claim would be less expensive to fulfill. This could save you money by saving the insurance company money.

Security System or Alarm

If your home or apartment has a security system that prevents theft or reduces the time a thief has to work unnoticed, you may be eligible for a discount.

Bundled Packages

Having multiple policies with the same insurance company can save you money. Often adding a renters insurance policy from the company you have your car insurance with can save you money.

You need to think hard to determine the amount of coverage you need. If you are over-insured, you will pay more for something you don’t need. But if you are underinsured, you could lose a lot of money by trying to save up front. You need to take careful inventory of what you own and the kind of liability and exposure you typically have. To get an idea of how much coverage you need, write down all the things you would want replaced and how much it would cost to replace them immediately.

What do I Need To Get A Renter's Insurance Quote?

  • Name and Date of Birth
  • Address of your apartment
  • Start date
  • number of full-time inhabitants of the apartment
  • Name and type of any business conducted in the apartment
  • Home inventory and value of the property you wish to include under the policy

Most Competitve Rates