Renter’s Insurance


Do you need renter’s insurance?

Think you’re covered by your landlord’s insurance? Think again. You will need renter’s insurance to protect your belongings from perils like vandalism, fire,  theft and falling objects the day your renters agreement begins. Based on recent estimates, nearly 2/3 of the 81,000,000 people who rent apartments and homes are uninsured for their contents and liability arising out of their renting.  Did you know that you could be held responsible for damage done to the building that you are renting?  The most common renter’s liability claims result from kitchen fires that are started by a tenant.  Courts may require repayment for damages done to the landlords property even if you don’t have insurance. Don’t be another statistic that is not covered – get covered! Request a Quote today.

Renters insurance assures you that you’re protected against the damage or loss of personal property when you rent an apartment or house. Your landlord may have insurance that protects the physical building in which you reside, but this insurance will not cover your stuff. In fact, it’s not at all uncommon for landlords to require the purchase of renters insurance prior to renting or leasing.

Not only will renters insurance protect your personal items, it will also give you help with temporary housing and liability protection for people on your property. Renters insurance can help protect you in case of a liability lawsuit against you. This could occur in a situation where you are held responsible for:

  • Injury to another person
  • Damage to another person’s property due to your negligence. (Landlord’s building, other tenants stuff in the building where you live, hotel, etc.)

Once you determine your need for renters insurance, knowing your options will help you choose the best policy for your circumstances.

What’s covered in Renters Insurance?

Think of how much it would cost to replace everything you own. What if you came home after work tomorrow and your apartment had burned down? Where would you stay that night? How would you pay to replace your clothing and furniture? When you ask yourself what renters insurance covers and how little it costs I am sure you will conclude that having a renter’s insurance policy is a great decision!

Renters insurance can cover virtually all of your personal possessions. Most policies provide coverage for electronic goods and equipment, small appliances, sports equipment, cameras and photography equipment, furniture, clothing, glassware and china, and books. Items such as computers, jewelry, furs, watercraft, and firearms can also be covered with extended protection. Your renters insurance policy will include:

  • Personal property protection
  • Family liability protection
  • Guest medical protection
  • Additional living expenses

All policies have limitations and exclusion so be sure to review what you own with one of our agents.  Examples of some exclusions are: intentional acts, flood, earthquake, some audio equipment, limitations for guns, silver, jewelry, furs, and other items.

Get a Renters Insurance Quote Today!

A 2006 poll conducted by the Insurance Research Council found that only 43% of renters nationwide had insurance – don’t be left in the dark without coverage. To tailor a renters insurance policy that’s right for you today, Request a Quote now. A Hornafius Insurance Agency expert will provide you with the best possible quote in no time.

Renters insurance can be as low as $10 per month so why risk loosing everything you have? Call (717) 367 – 5126 for your free renters insurance quote today!