Renters insurance helps protect you and your belongings in case something unexpected happens. Your landlord's insurance policy covers the building, but not your belongings. In most cases, getting renters insurance doesn't take long, especially if you choose to buy a policy online. Roommates are not usually covered by each other's renters insurance, unless they are also relatives, so each tenant will need their own policy.
The insurer's extensive online and local presence means that tenants can ask questions and file claims electronically or in person, depending on their preference. You can also take out tenants' insurance whenever you want, as long as you don't want to connect directly with an agent. Once you know what you own, you can decide if you have any special items, such as jewellery or art, that would not be covered by most renters insurance policies. If you have received a quote for renters insurance, it may differ from the one your next-door neighbour receives.
While renters insurance companies always offer basic forms of protection for your personal property and liability coverage, the add-ons offered by one insurer may differ significantly from those offered by another. Renters insurance repairs or replaces your damaged personal property, gives you liability coverage and provides additional living expenses if you are forced to leave your home temporarily. With Erie, renters get coverage for their personal property, along with liability protection and additional living expenses if their home becomes uninhabitable. While Erie meets the basic needs of many renters, those looking for more ways to customise a policy may prefer another insurer.
The best renters insurance companies combine affordable prices with solid coverage options and reliable customer service. For example, floods, landslides and earthquakes are not usually covered by a standard renters' or homeowners' insurance policy. If you live in an area prone to certain catastrophes, it may be a good idea to purchase additional coverage when you buy renters' insurance. The cheapest option is not always the best option when it comes to buying renters insurance, but the price of a policy is still an important factor to consider.
If you are looking for renters insurance with the best reputation for customer service, Erie is an insurer to consider.