Renters Insurance

City and night sky - Renters Insurance

Types of Insurance

Types of Insurance - Renters Insurance


Glossary - Renters Insurance


Discounts - Renters Insurance

Types of Renters Insurance

Low Renters Insurance

For those who need to save money

Personal Property

  • $15,000 – $30,000


  • Personal: $100,000
  • Medical Payments: $1,000


  • $1,000

Standard Renters Insurance

For the average person

Personal Property

  • $25,000 – $35,000
  • Replacement Cost

Loss of Use

  • 25%*


  • Personal: $200,000
  • Medical Payments: $2,500


  • $500

Premium Renters Insurance

For those who worry or have a high net worth

Personal Property

  • $40,000+
  • Replacement Cost
  • Open Peril
  • Special Items Coverage

Loss of Use

  • 50%*


  • Personal: $300,000
  • Medical Payments: $5,000
  • Personal Injury


  • $500

*Percentages of personal property limit




Pays for property damage and injury costs to others on your property or adjacent. Pays for legal defense costs as well, if you get sued.

Medical Payments

Covers medical bills for those who are injured on your property. The difference between personal liability coverage and this, is the medical payment limit will be used before the personal limit. The personal limit may not be used at all unless the injured sues the insured.

Personal Insurance Protection

This Pays for damages to someone's name including:

  • Defamation of name
  • False arrest
  • Libel
  • Malicious prosecution
  • Publication that violate's privacy
  • Slander
  • Wrongful conviction

Business Pursuits

Protects your home business from liability charges. Examples of home businesses could include daycare, renting on airbnb, dog sitting.


Personal Property

Property that is not attached to the building. This includes furniture, kitchenware, appliances, electronics, pictures, books, and toys.

Normal Covered Perils inclued: Fire, Lightening, Wind, Hail, Smoke, Volcanic Eruption, Aircraft, Vehicles, External Explosion, Internal Explosion, Riot, Civil Commotion, Vandalism, Malicious Mischief, Burglary Damage, Weight of Ice, Sleet, and Snow, Glass Breakage, Falling Objects, Electrical Current, Collapse, and Plumbing, Heating, Electric, Air-Conditioning sudden tearing, freezing or accidental discharge of water or steam.

Add the special coverage endorsement to get your personal property coverage to include all perils except for aircraft, earthquake, flood, govermental seizure, intentional loss, nuclear, ordinance or law, and war.

Actual Cash Value

Actual cash value is the value and method used to replace your personal property. The insurance company inventories your lossed personal property and calculates the current value of it (Purchase Price – Depreciation).

Replacement Cost

This is a coverage you can have instead of actual cash value. Instead of the insurance company only paying the depreciated value of your personal property they will pay the amount it would cost to replace your personal property today.

Special Items Coverage

You can create limits on specific types of items. For example, jewelery, art, firearms, etc. This ensures that the insurance company will pay for a specific group of items on top of paying a general sum of everything which may not add up to the cost to replace your special items.


Loss of Use

In the event that you cannot live in your home, this will pay for expenses incurred outside the homes. Examples of this includes eating out and hotel stay.


An insured will pay up to the deductible amount before the insurance company will pay any money for your policy. A deductible is usually a dollar amount (eg. $1,500) but also can be a percentage of the dwelling limit (eg. 1%- A dwelling limit set at $300,000 would make the 1% deductible $3,000). In some states you may have a seperate deductible for damages from wind and hail.



Home Sharing

Includes both liability and property protection when renting part of your home to others. Using services like airBnB and HomeAway are included.

Normal Exclusions You Can Add

Water Damage

From Sewer backup to water leakage water damage can create a whole lot of problems.


Any damage from a flood or water coming in from the side walls would be covered by flood insurance.

Equipment Breakdown

This pays for the cost to replace or fix the sudden breakdown of specific equipment in the home. Equipment includes washer, dryer, dish washer, oven, water heater, refrigerator, air-conditioner, and heater.


Damages caused by utility companies are covered with this endorsement. This can include electrical, gas, and water. Different insurance carriers have different variations of this endorsement.


Any damages caused by an earthquake would be paid for by earthquake insurance. If an earthquake destroys your home, your home insurance would not give you any money without this endorsement.


  • Multi Policy
  • Claims-Free
  • Loyalty
  • Green Home
  • Burglar Alarm
  • Fire Alarm
  • Smoke Detector
  • Sprinkler System
  • Smart Home
  • Water Sensor
  • Automatic Water Shutoff
  • Low-Temperature Sensor
  • Senior
  • Military / Serviceman
  • Married / Widowed
  • Gated Community
  • Paid in Full
  • Early Payment
  • Automatic Payments
  • Bank or Card Payments
  • Paperless

*Different carriers use different discounts

Frequently Asked Questions

Do we insure people with many claims?

Absolutely! We have select carriers for people who have many claims or a bad record.

What payment methods do we accept?

Payments through a mortgage, direct billing through mail, EFT (Bank Account), debit and credit cards.

Do we insure home sharing or renting?

Of course! If you rent out your home or part of your home with Airbnb, HomeAway or some other service we got you covered.

How can I file a claim?

 We strongly recommend calling us before the insurance carrier directly about a claim. You may not want to file a claim depending on your insurance plan and we will assist you in filling a claim the best way to make sure you take the least amount of damage possible to your insurance score. After talking with us, you can call the insurance carrier or let us call them for you.


If you can’t find your answer here, please don’t hesitate to ask a representative through our messaging system or email.