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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

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Home contents insurance quotes will help you secure the lowest rate to secure your valuables. If your furniture, computer, and other possessions are destroyed during a natural disaster, you need home contents insurance to reimburse you. Your valuables are probably worth more than you think they are.

Also, when you get home contents insurance quotes, you'll probably be surprise do find that it's pretty affordable. The monthly payment is quite low, and worth it if there's some kind of natural disaster! Your landlord will cover the home damage, but not the contents of the home. That's why you need to have home contents insurance as a renter.

Great Deals for Renter's Insurance

When you're looking for home contents insurance quotes, you'll probably get a plan that comes with liability protection. Some experts say that it worth purchasing home with contents renters insurance just for the liability component! Even if you don't have a lot of valuable stuff, the cost of a lawsuit can be devastating.

To find the best home contents insurance quotes, you need to shop around with the right kind of plan in mind. First you need to figure out what kind of coverage you need, and how much, and then you need to go looking at home contents insurance quotes to secure a low rate.

Start by looking at quotes of companies offering plans in your state. You can use our simple form to get great home contents insurance quotes from businesses near you. These quotes will give you a good sense of what it's going to cost. You'll find that it's well worth it, given the potential cost of a loss!

So, compare various home contents insurance quotes and then pick the best policy for you based on the quotes. You can do all of this online, right here! Again, use the free from above to get quotes. Or, if you wish, you can contact an agent. Agents can help you sort out the home contents insurance quotes, and figure out the right policy for you.

What it Covers

A renter's policy typically covers natural disasters. It cover rainstorm and hail, as well as lightning damage, and fire. It also covers theft. And, if the freezing or plumbing system breaks, it covers that too.

The policy doesn't cover the following, though: bodily injury or property damage that is intended. If you hurt someone on purpose, you're not covered! It doesn't cover expected injury, either.

Also, if you're operating a business in your house, your renter's policy won't cover you. You need a separate policy to cover business activity in the house. This is different from renter's coverage, or a homeowner's policy. It's also more expensive.

If you're operating a business in your house, you might consider getting a package deal that has coverage for your house and business. You may find that these quotes are more affordable than separate policies. Whatever you do, you probably don't want to skip out on this coverage, because your renter's policy won't protect you if there's a business-related accident.

If, for example, a client injures himself in your house, he might sue you. If you don't have a business liability policy, you may not be covered. If this were your friend, your renter's policy would cover you, but it won't cover a customer or client.

Also, naturally, your renter's policy won't cover the use of motor vehicles and such in your house. Or aircrafts, or boats. So, you need separate policies for those items.

Myths About Renter's Insurance

You may have some false beliefs about home contents insurance. For example, you may think that your landlord's policy covers you. Well, it doesn't. It covers your house, but not your stuff. It doesn't cover you if a liability claim is made against you, either, so if you get sued you're in big trouble.

You may not think you need liability coverage. However, imagine if someone injured themselves on your steps and tried to sue you. Your current savings and future earnings could be seriously at risk if this happened. Paying legal fees is a serious disappointment, not to mention that they're outrageously high!

Another common myth is that people who have limited valuables have not reason to get contents coverage. Well, have you actually sat down and considered what it would cost to replace everything in your home? Your grandfather's old sofa is worth more than you think. Look around your living room and add up all the potential costs.

Another myth is that getting protection is really expensive. Once you start looking at quotes you'll see this is true. You can probably cut down of that latte habit just a little and cover the contents of your house. So, why not start looking at home contents insurance quotes today?