What People Are Saying
Thanks for making it easy to find the cheapest renters insurance. Knowing our stuff is always protected gives me peace of mind.
Matt and Bethany, Charleston SC
AMERICAN RENTERS INSURANCE
American renters insurance offers great protection for those renting a house, apartment or other rented home anywhere all across the country. It combines personal property protection with personal and family liability insurance to form a great policy that protects the insured in a variety of ways. For a low cost, any American renting a home can get insured and take advantage of these great policies. Renters insurance is a great value, one of the cheapest policy types of all. Get some prices on American renters insurance and see for yourself how inexpensive it can be to protect yourself and your family. Go online and find out how you can save even more.
Outstanding Property Protection for Renters
Living in a rented condo or loft, you do not have to worry about insuring the premises as you would if you owned it. One of the principal advantages of renting over buying is, in fact, the cost savings. This is one of the main reasons most of us rent. But just because the physical dwelling is not your concern, does not mean you don't have to worry about insurance at all. American renters insurance is a very important commodity, and it does include property protection. The difference is that the property portion of the policy is solely focused on personal property and not real estate.
Whether you live in a tiny home or a huge rented condominium does not matter. The basis of you premium is the replacement value of your belongings; and more specifically, the financial level to which they are insured. You can get outstanding property protection against many different kinds of risks. Fire is something that always comes to mind when we talk about insurance for American renters, but this is far from the only covered category. American renters with coverage also get protection from losses due to many other causes, like hail, theft, lightning, vandalism, and many others. The value of an American renters insurance policy is predicated on its coverage as much as it is on price. And in terms of property protection, it delivers outstanding value dollar for dollar.
There are certain significant exclusions to your American policy that should be identified as well. Typically, events like floods, hurricanes, earthquakes, and tornadoes are not covered under the terms of a standard American renters insurance property policy. There may be other exclusions as well, depending on the specific insurer and the geographic area where you live. Don't make any general assumptions about what is included or excluded without taking a good look at the quotes you receive and the policy you end up choosing before you sign. You should go into your coverage situation with your eyes open.
Liability Coverage for Household Members
That same guideline applies to your liability protection as well. Those of us who live with a large family in a townhouse or other rented home need to pay particular attention to the details of our liability coverage. You never know what might happen in your life as a renter. With kids having friends come over, accidents can happen just like that and before you know it, you could be facing a sizable civil lawsuit over medical expenses, pain and suffering and legal fees. Your American renters insurance is made to protect you from these circumstances.
The larger your family is, the more opportunities there may be for liability circumstances to come creeping in. Aside from protection from medical and other associated expenses related to dealing with injuries sustained at your home, your American renters insurance also provides coverage against property damage liability. All kinds of things are possible that could lead to accidental property damage. It may happen to you as well as your kids. Make sure you're prepared for anything with American renters insurance that includes solid liability protection. Don't skimp on this part of your renters insurance policy to save a few dollars. A small short term gain could end up resulting in a huge loss down the road. Get the most coverage you can afford, and protect yourself and your family to the greatest extent possible.
Online Policies Save Even More
Going online for your American renters policy can save you even more money, allowing you to increase your coverage. This is good news whether you're a college student venturing off campus and striking out on your own for the very first time, or a seasoned senior citizen enjoying the autumn years of your life in a low maintenance rental. Every American renter should really have this kind of insurance even though it is not mandatory. With coverage so affordable and protection so widespread, the question to ask yourself is whether you can afford not to take advantage. Pick up a top quality American renters insurance policy.