If you’re a renter, you may wonder what renters insurance is and what it covers. Here is a breakdown of the basics of renters insurance policies and coverage options, so you can make an informed decision when selecting a policy.

What is Renters Insurance?

Renters insurance is a policy designed to protect your personal belongings in case of theft, fire, or other damages. It also provides liability coverage, which can protect you if someone is injured while in your rental unit.

There are several coverage options available when it comes to renters insurance. Here are some of the most common:

  1. Personal Property Coverage

Personal property coverage is the most basic coverage option for renters insurance. It protects your personal belongings in case of theft, fire, or other damages. This can include your furniture, electronics, clothing, jewelry, and other personal items.

  1. Liability Coverage

Liability coverage protects you if someone is injured while in your rental unit. This can include medical expenses, legal fees, and other costs associated with the injury.

  1. Additional Living Expenses Coverage

Additional living expenses coverage can help cover the cost of temporary housing if your rental unit becomes uninhabitable due to a covered loss. This can include a hotel stay or rental of a temporary apartment until your rental unit is repaired or replaced.

  1. Scheduled Personal Property Coverage

Scheduled personal property coverage is an optional coverage that can be added to your renters insurance policy. It provides additional protection for high-value items such as jewelry, artwork, or antiques.

  1. Flood or Earthquake Coverage

Flood or earthquake coverage is typically not included in a standard renters insurance policy. Living in an area prone to flooding or earthquakes may require additional coverage to protect your personal belongings.

Choosing a Policy

When choosing a renters insurance policy, it’s important to consider your personal needs and budget. You should also consider any requirements set by your landlord or property management company. We can help you determine what coverage you need. Give us a call or complete our quote form today!

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Kerrigan, O'Malley & Bailey

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Whether for your home, your car, or your business, Kerrigan, O'Malley & Bailey can get you a policy.

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Thomas A Nolfi, Inc.'s Erie insurance agents help you make important decisions about your auto, home, life, and business insurance policies in the Moon Township, Pennsylvania, area. Get in touch with our independent insurance agency to learn more.

Auto Policies

You are sure to drive safely with the right auto insurance from Thomas A Nolfi Agency. When you consult with one of our experienced team members, we take the time to design a policy and coverage especially for you. Are you paying too much for your Auto Insurance? Call today for a free review!

Homeowners/ Renters Insurance

No matter where you call 'home,' a Homeowners policy from Erie Insurance offers you many different ways to ensure that you'll be covered when you need it. We proudly offer Insurance Policies for Homes, Apartments, Condos, Manufactured Homes Insurance Policies for Homes, Apartments, Condos, & Manufactured Homes

Personal Property & Liability Insurance

You work hard for your money and your belongings. Protect your valuable assets with sound coverage provided by Erie Insurance. Additional policies available from Erie include:

  • Inland Marine
  • Identity Recovery Coverage
  • Boat Protector
  • Umbrella—Personal Catastrophe & Liability (Mastercover™)

Life Insurance & Retirement

We know you love your children, your home, and all the things that make your life worthwhile. That's why we want to encourage you, without pushing you, to consider life insurance from Erie. Since your Erie Insurance agent is going to take as much time as you want to help you with your options, we know you're going to feel good about the process.

Business Insurance

You've worked hard to build and grow your business: countless hours and immeasurable effort. That's why you need superior coverage to help keep it safe. With all of Erie's business insurance policies, you get:

  • Multiple Payment Plan Options & More
  • Professional Claims Adjusters Who Promptly Respond to Your Loss
  • A Risk Control Specialist to Help You to Make Your Workplace Safe for Employees & Customers Alike
  • A Local Insurance Agent to Help You Figure out Your Needs, Understand Your Policies, & Answer Your Questions

Contact us for a quote on auto, life, and business insurance policies.