Renters

Free Renters Insurance Quote online at Kentucky

Understanding your renters insurance is important, if you are  robbed or the apartment above you has a fire, and the water used to extinguish it floods your apartment, your landlord’s policy likely won’t pay to replace any of your stuff.Most people have a lot of money invested in there personal property, and being a renter puts you at a risk greater than a homeowners because most of the time you have no control of the loss.  Renters have a higher chance of a robbery and experiencing a fire due to the fact they live in Units where multiple people can affect you.

Renters also include liablity insurance which covers you incase your friend trips over your Wi controler and falls down and hurts his back.  It’s unlikely he would sue you for medical payments and loss of work but he could and defending yourself against litigation can get very expensive.

Renters Policy

A Renters Policy will protect your personal property the same way it would if you owned a home. Here at Mike Casperson Agency we are able to help you make an educated decesion on how much personal property coverage you need to give you a quote that will work with any budget.

Your Renters Insurance Policy Will Include:

• Personal Property Protection
  Covers the loss or damage of your stuff
• Family Liability Protection
  Provides legal representation and protection against judgments
• Guest Medical Protection
  Covers medical costs for visitors injured at your home
• Additional Living Expenses
  Reimbursement for costs of temporary housing during reconstruction

Coverage Choices:

• Replacement Coverage – Allows you to receive the full purchase price of lost items
• High Value Item Coverage – Extends protection beyond your basic policy limits

Insurance Discounts & Savings:

• Multi-Line (Home + Auto) – Save up to 15% depending on the type of home and the state in which you live.
• Protective Devices – Save up to 15% depending on the combination of installed protective devices.
• 55 or older and retired – Save 10-25% depending on the type of home.

Also Consider Purchasing Flood Insurance

Since a Renters Insurance Policy doesn’t cover floods, ask your agent if people in your community are eligible for a National Flood Insurance Policy.

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