Renters Insurance Is For Anyone Renting An Apartment, Home, Condominium Or Any Other Living Space. Ensure Your Personal Property Is Protected In The Space You Rent.
Renters Insurance That Fits Your Needs
Renters Insurance Coverage & Options
Renters insurance covers a policyholder’s belongings against perils such as:
- and others
Possessions can be covered for their replacement cost or the actual cash value. It also provides personal liability coverage for damage the policyholder or dependents cause to third parties.
If a policyholder must move while his or her dwelling is repaired, renter’s insurance can cover living expenses, known as loss-of-use coverage, which can also include coverage for property improvements.
- Coverage for personal property (clothing, electronics, furniture, tools, appliances).
- Coverage against incidents including fire, theft/vandalism, water damage & natural disasters.
- Coverage for someone’s injuries at the residence you’re renting.
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Insurance Cleveland is currently licensed in the following States: Illinois, Ohio, Michigan, Pennsylvania
Frequently Asked Questions
Why do landlords require renters insurance?
Although most landlords likely have an insurance policy in place to cover damage to their rental property, renters insurance protects against damages to the renters personal belongings. This eases the liability for landlords if their tenants belongings are damaged or a tenant causes damage to another tenant’s unit.
How much renters insurance do I need?
The amount of renters insurance coverage you need depends on a variety of factors; the primary two being:
- How much personal property do you have?
- What is your net worth?
Take a home inventory to determine the combined worth of all your stuff. Whatever the monetary total is for the value of your belongings, you need at least that much in personal property coverage.
What does renters insurance NOT cover?
Renters won’t cover certain incidents, including damage or injury costs from:
- Bed Bugs and pests
- Earthquakes and flood damage
- Roommate property
- Car theft or damage
- Certain dog breeds