Renters Insurance Quote Forms
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Renters Insurance Information
Renting a home might be a lot more affordable to you than buying, but just because you rent, that doesn’t mean you don’t have to take responsibility for yourself and your belongings in your property. You never know when an unexpected challenge might arise at home and put you in a tough financial situation. However, you can be prepared for a worst-case scenario by having quality renters insurance.
The Insurance Specialists, Inc. is Des Moines’ trusted source of personal and commercial insurance options. As a locally owned business, we will work hand in hand with all of our neighbors to help them get the quality insurance benefits that will always work best for them.
To get your renters policy, call us at (515) 280-1207 or request your free quote now!
Common Renters Insurance Questions
Though you might choose to rent your home rather than own it, you still have insurable assets and liabilities connected to the residence. As a result, you need many of the perks of full homeowners insurance, just without the coverage that applies to the dwelling itself.
Renters insurance is designed to provide that benefit. It will ensure that you can receive financial aid following an unexpected or unavoidable problem in your home. However, it won’t burden you with excessive coverage that you realistically do not need.
Most renters policies have three types of coverage:
- Possessions Insurance: This covers your belongings in your home in case they sustain unexpected damage. Your plan can pay you to repair or replace these items. Covered items might include furniture, appliances, clothing, electronics and other personal items.
- Liability Insurance: Someone might blame you for causing them harm or damaging their property. Even if the accident was a mistake, you might have a legal responsibility to repay that person. Liability coverage helps you do so and covers your legal expenses when lawsuits arise.
- Loss of Use Insurance: After a problem in your rental unit, you might have to temporarily move out. In this situation, you can use loss of use coverage to pay excess living expenses that arise. These might include hotel bills, dining bills and other essential costs. The plan won’t pay for these benefits indefinitely, however.
To further customize your benefits, you can invest in expanded coverage such as:
- Scheduled personal property endorsements
- High-value items coverage
- Umbrella liability insurance
- Pet liability insurance
- Replacement cost contents insurance
Most landlords require tenants to at least buy renters liability insurance. By having liability insurance, the renter shows that they can take responsibility for their own mistakes when the need arises. This shifts a lot of liability away from the landlord - who, after all, will almost always be affected when a problem occurs for the renters.
Most renters insurance policies are very affordable, and usually cost less than a homeowners policy. However, your individual premium will vary depending on several factors, including the types and amounts of coverage you buy. Still, you can qualify for many discounts just by working with one of our agents. So, let us help you find the best way to save.