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Renters Insurance

Renters Insurance

As a renter, you have many precious belongings that you want to protect, whether you rent an apartment, condo, mobile home, townhouse, or single-family home. Renters insurance helps you do just that by covering the replacement cost of your personal property should you suffer an unfortunate loss caused by a fire, theft, lightning strike, or other covered peril.

What’s more, it provides liability protection should a friend, repairman, delivery person, or other guest become injured while visiting you. In addition, it covers temporary living expenses in the event your rental dwelling is uninhabitable.

Our independent insurance agency is dedicated to providing New Jersey area renters and tenants — both along the shore area and throughout the interior regions of the Garden State — with the best insurance policies to protect their prized personal possessions and precious collectibles.

What are the coverages?

Primarily, renters insurance is intended to offer coverage for a tenant’s personal property. However, it functions over and above that by offering you personal liability protection if you are sued as a consequence of an accidental harm or injury to a guest in your apartment. Should your apartment become unlivable as a result of a covered loss, the expenses relating to a temporary place to live and food are covered as well.

In a nutshell, insurance for renters covers three main areas:

Personal Property

Personal Liability

Temporary Living Expenses

From our agency include events such as:

A thief breaks into your apartments and steals your iPad.

Your new bedroom set is destroyed when a fire breaks out.

An electrical surge from a lightning strike damages your flat-screen TV.

A burst pipe causes accidental water damage that destroys your comic book collection.

A toaster fire destroys not only your toaster, but nearby appliances.

A guest slips on your bathroom floor and requires medical attention.

Some of the personal belongings that are covered — and that you probably have in your apartment — include:

  • Jewelry
  • Computer
  • Musical Instruments
  • Antiques
  • Video Game Collections
  • Collectibles​
  • Furniture
  • Art Collection
  • Sporting Equipment
  • Keepsakes
  • Food
  • Dishes
  • Clothing
  • Appliances
  • Tools
  • Apartment Personal Decor
  • Silverware
  • Apartment Personal Decor

Loss or damage extends to covered named perils, including:

  • Fire
  • Lightning
  • Theft
  • Vandalism
  • Hail
  • Smoke
  • Accidental water damage.

First of all it is all affordable. Because we are an independent insurance agency, we work with multiple insurance carriers. This means that we can find you the best renter insurance policy and coverage for your budget.

Tailoring Policies to Your Needs and Budget

We work hard to shop various policies on your behalf, seeking the best options at the most competitive prices. We also review all potential discounts you may be eligible for to help lower your rates. This review is ongoing—we remain proactive on your account for as long as you allow us to serve your family. So whether you are a newly growing family or a couple looking toward retirement, turn to us for all of your personal insurance needs.

Learn more by calling us at 239-313-2045 or by emailing our  insurance agency.

We look forward to hearing from you!.

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