If you’ve ever worried about what you would do if something happened to all your valuable personal belongings, put your mind at ease. Renters insurance was created to help people like you who rent but still want to protect investments such as furniture, electronics, clothing, and sporting gear.
Both theft and damage are covered by renters insurance policies. This coverage applies even if you are away from home.
You can elect to purchase a policy that offers full value coverage on your belongings, which gives you the full replacement cost without any depreciation for use over time. You can also add extra coverage for items like jewelry or collectibles that aren’t normally covered by a renters insurance policy.
Your renters insurance can even cover you in the event someone is injured at your residence. Accidents happen, and it’s good to know you’re protected from events you can’t predict.
Your premium, which is the amount you pay for your policy, will depend on the deductible you and your agent select. The deductible is the amount you pay out of pocket in the event of a claim, before your renters insurance policy kicks in.
At Smart Insurance, we’re pros at educating Abilene, Kansas area renters about how to best pair a premium and deductible for the coverage you need within your budget. We want to make sure you’re satisfied with your policy and understand everything about it before you make a commitment.
Reach out for a quote online or give us a call at 800-249-1920 to discuss your renters insurance needs. If you’re not sure how much insurance you need, often taking a video with your mobile phone of your belongings can help us evaluate your coverage requirements.
Don’t wait until you lose belongings to burglary, fire, or a weather disaster. Get in touch today.