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How to Get Renters Insurance

You found the perfect place to rent. Congratulations! Now you’ve come to the realization that you need renters insurance. It might even be listed as a requirement in your lease. But now you’re wondering, “How do I get renters insurance?”

Renters Insurance is Just a Click Away

It’s time to get online to find out how much renters insurance costs and to start comparing quotes. The good news is you don’t have to go to multiple insurance carriers to find pricing. Simply log on to HomeCoverage.com, spend about 15 to 20 minutes filling out an application and voilà – quotes from a variety of insurers will be sent straight to your inbox.

The ability to compare multiple quotes by filling out just one application will save you a lot of time, and most likely, some cash as well, increasing your budget for your epic apartment-warming party.

Apply online and get help from real live agents.

I’m Not Sure I Need Renters Insurance, but My Landlord Says I Do. Why?

Many landlords actually require tenants to purchase renters insurance and include it as a term in the lease. Why? It’s in each party’s best interest if everyone, landlord and tenants alike, is covered. Still not sure what renters insurance is and what it covers? Check out “What is Renters Insurance?” for a helpful introduction.

A landlord’s insurance policy covers the building itself, but it starts to get tricky when a tenant or one of their guests causes property damage or if a visitor is inadvertently injured while on the property.

For example, a tenant could accidentally start a fire by leaving a candle unattended or allow a bathtub to overflow, damaging the apartment below. If the tenant has renters insurance, it will most likely cover the property damage to the other tenant. If not, the impacted tenant might try to come after the landlord to recoup the cost of the damage.

Tenants with renters insurance may also provide additional protection for the landlord against liability if a tenant’s guest is injured, such as slipping on a wet kitchen floor in the tenant’s apartment. Even if your friends don’t tend to be klutzes, you never know when an accident might happen, so it’s better to be protected. If you still have questions, “How Does Renters Insurance Work?” breaks it down further.

Some pets may affect your renters insurance eligibility. Ask your agent for details.

I Own a Dog. Can I Still Get Renters Insurance?

In most cases, owning a dog will not impact your ability to purchase renters insurance. In fact, it can help provide liability coverage if your dog bites someone, and it may cover the cost of any legal or medical expenses of the injured person.

However, there are certain dogs considered aggressive breeds by insurance companies, and many insurers will not provide coverage for these types of dogs or will charge you a higher premium. If your landlord requires you to have renters insurance specifically to cover dogs, check with both your landlord and insurance company on the specifics before signing a lease and/or purchasing coverage.

What if I Live in an Area Prone to Natural Disasters, Will Renters Insurance Cover Me?

The short answer is: it depends. Renters insurance may cover property damage from:

  • Wind.
  • Hail.
  • Lightning.
  • Fire.

However, most renters insurance policies will not cover flood or earthquake damage. If you live in a part of the country where these are a frequent occurrence, you should consider purchasing flood or earthquake insurance as an endorsement (i.e., a separate add-on to your normal policy). “What Does Renters Insurance Cover?” explains what’s covered and what’s not in most renters insurance policies in more detail.

What if I’m Still Not Sure What Kind of Renters Insurance Coverage I Need?

If you’ve never had renters insurance before and aren’t sure where to start, you’re not alone. A recent study by Apartments.com found that only one-third all of renters currently has renters insurance.

That doesn’t mean you should be intimidated. It may seem confusing at first, but it’s a straightforward process. Talk to an insurance agent to learn more and weigh your renters insurance options.