Get free, no obligation quotes from multiple providers

State Farm Insurance Allstate Insurance Farmers Insurance American Family Insurance Unitrin Insurance Travelers Insurance


Medford renters insurance is a type of protection for residents in Medford, MA that currently rent. If you do not own your house then you can still get home insurance through Medford renters insurance. Renters insurance works in a similar way as home insurance but will pay for any costs incurred to your contents, yourself and your guests in the event of any natural disaster, accidental damage or weather damage.

There are various coverage options when it comes to renters insurance. The policy you choose will depend on a number of factors, including where you are in your life, where you are living in Medford and how much you want to insure. If you are living in an apartment or loft, then you will most likely want a different Massachusetts renters insurance plan than someone living in a condo or townhouse. If you are a student or just starting out, then you might want a lower premium and lower limits than a senior citizen or family of five. If you want to insure just the basics then you will probably have lower limits than someone who has a house full of antiques and collectables. There is no right or wrong amount of Medford renters insurance to buy - it all depends on what you need to fell protected.

Renting in Medford

Medford residents enjoy affordable housing in a beautiful town in Massachusetts. However, like any town, there are several risks involved in living in Medford. One of the things to be constantly on alert for is theft and vandalism. Theft can take anyone by surprise. Even if you live on the safest street in the safest suburb, you never know when something may happen and your contents may be stolen. If you live in a complex or a gated condominium site, then you also have to be aware of people coming and going all the time. Medford renters insurance will pay for any damages incurred due to negligent behavior such as theft, vandalism or arson.

Massachusetts is known for its erratic weather. The wind, snow and sleet can come down before you know it. There have been several instances of home and contents damage due to this erratic weather. Medford renters insurance comes into effect if your contents and home are destroyed due tohurricane, tornado or landslide damage as well as snow, sleet or hail storms.

Another thing to consider when it comes to living and renting is the constant need to rely on heating systems. Residents can experience very cold winters which is why most homes come equipped with heating systems. While this can keep you warm throughout the night, they also pose a fire hazard, especially if the system is warn out or in apartment complexes where a number of heaters are all going on at the same time. Rental insurance coverage can pay to replace or repair any of your items that have been wrecked in a fire or destroyed due to smoke from the fire.

Contents Insurance, Medford MA

Medford renters insurance will not only pay for the repairs and replacements to your contents if they are ever destroyed in the above instances, but it will also provide compensation if you are out of a house to live in. This is called loss of use coverage and will pay for any alternative accommodation and moving expenses if your rental property is completely destroyed.

Renters can also benefit from physical liability protection which pays for any medical or legal fees that occur is you or someone else is seriously injured in your home. While accidents happen all the time, if someone is seriously injured in your rental property, then you are responsible. This can range from any accident, including brain injuries, spinal injuries, slip and fall accidents, drowning, electrical shocks and dog bites. Medford renters insurance will also pay for any legal expenses if a lawsuit does result from the accident.

Massachusetts Rental Protection

Renters coverage can end up saving you several thousands of dollars down the road if you are ever faced with a disaster. Furthermore, it can provide you with the protection each and every day. You can expect to pay as little as $10 per month for a complete Medford renters insurance policy.

Although no one plans of being put through a natural disaster, it is still a good idea to consider renters insurance when renting in MA. Only about 1 in 3 renters currently have renters insurance. If you are one of the 80 million people across the United States without it, then now is the time to compare policies and find a Medford rental package suited for you. After all, although you hope never to have to make a claim and call on your provider, you just never know.