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Renters Insurance

Stearns Renters InsuranceDid you know that your landlord’s insurance does not cover your belongings as a renter?  Renters Insurance is designed to protect your belongings and contents within the renal unit if there is damage or other incidents.  This includes your clothes, electronics, personal items and appliances that you own which were not pre-installed in the unit.  It covers the insured in homes, apartments, condos or multi-family units of 2+.  Renters insurance also provides liability coverage for accidents which occur in the unit either during parties or not.

For approximately a $1 per day or less, renters insurance is a wise decision.. Protect your belongings from theft, fire, water, hail, wind as well as some other forms of damage or loss.  Renters insurance is inexpensive, easy to obtain and cost effective for those in the rental life style.  Don’t delay call Stearns Insurance Services today to get a free no hassle quote for your location (888) 214-7525. We also have an online form for a free quote.

Stearns Helpful Tip…
Stearns Insurance recommends that you take a cell phone video of your belongings and upload it to a digital storage area like Google Drive. This will help you with a home inventory should anything happen to your belongings while covered under renters insurance.  The number one issue with renters claims is under reporting the items that were lost, stolen or destroyed during the accident.

Renters insurance premium cost is primarily related to the coverage value you would like for your belongings as well as your option for liability coverage.  Typical renters insurance coverage starts at $25,000 and can go to $100,000 or more.  Don’t think that you have $25,000 worth of property that you own?  Think about a fire loss that completely burns down all your belongings.  How many shirts did you own, pants, socks, pots, pans, food, cleaning supplies, watches, jewelry, DVDs, computers, tablets, etc?  Each item you own has a replacement cost, don’t short change yourself with only getting the minimum required by your apartment complex or landlord.  Be sure you have the proper coverage to make you whole again if the worst should happen.