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
RENTERS INSURANCE CLAIMS
Renters insurance claims must be filed at the time of loss so that you can be reimbursed by the insurer and get started replacing your damaged or stolen personal property. It is unwise to presume that your landlord's insurance policy will cover your personal property if something happens to it. This is simply wrong. Your policy will, however, cover your belongings and give you the sense of security you deserve.
Renters treasure their personal items just as much as homeowners do. A homeowner would not consider leaving his home for an extended period or even for a day without coverage to protect his house and belongings. It is just as important that you do the same if you rent your home, condominium, or townhouse. Renters coverage is not a luxury; it is a necessity.
Renters Insurance Claims 101
Filing renters insurance claims is an easy process that we will walk you through here. First off, you need to go ahead and file your claim immediately after you become cognizant of the fact that a loss has occurred. Most insurance providers offer a toll-free 24-hour phone number you can call to report claims at anytime. If the loss you experience is the result of a crime, you need to contact law enforcement first and get a police report. Next, you call your agent on the toll-free number to get things underway.
When you speak to an insurance claims agent, ask about how long it might take for your claim to be processed. This will give you an idea of the amount of time you will wait for your reimbursement check. Some items you will need to have replaced or repaired right away, so efficiency on your insurer's part is key. If repairs are required, find out from the claims agent what must be included in the estimates you provide.
After you've made the necessary calls and gotten this preliminary information, your renters insurance claims agent will either mail you a claims form or ask that you fill one out and submit it online, depending on which is best for you. It is wise for you to offer photos and/or video of the damaged property. Your claim will be more likely to get green-lighted if you do so.
When filling out the renters insurance claims form, be as detailed as possible in your descriptions and in your estimates of the value of the items you're making a claim to be reimbursed for. Bear in mind that the type of renters policy you hold will determine how much reimbursement you receive if your claim is approved. If you have an actual cash value (ACV) policy, you will get the amount the items were worth at the time of loss (with depreciation subtracted). If you have a replacement cost value (RCV) policy, you will get the actual value of the items (no depreciation deducted).
After you have completed these steps and submitted your claim, it will be processed and the outcome will be determined in as short a time as is feasible.
Renters Insurance Claims-Easy, Fast, & Headache-Free
Filing renters insurance claims is easier than ever before. With the broad appeal of the World Wide Web, insurers have made it easier for everyone to file any claims they may have online. You can download most files via PDF online and mail them in. Some insurance companies even allow you to file claims right on their sites.
If you live in an apartment, loft, house, or condo, you are safe for the most part, but research indicates renters in such dwellings are more likely than homeowners to experience loss due to crime, vandalism, fire, or water damage. It's important to acknowledge this reality so that you are covered. And, when or if an event like this occurs, all you need do is file renters insurance claims for the property lost, stolen, or otherwise damaged.
If you are a senior citizen in retirement or a college student living in an off-campus flat, you are probably on a fairly fixed income. By purchasing renters insurance, you are making it possible to replace any items you may lose or that suffer damage. When loss happens, you don't have to go to the bank and get a loan. You just fill out renters insurance claims for the items and get reimbursed for them.
If you are a young parent recently divorced or a small family just starting out, you have few possessions but you want to take care of them. With the right coverage, you can guard your belongings. And, if anything damages your property, you just file renters insurance claims for those items. Feel safer and live with a greater sense of ease with this coverage. Top insurers are standing by to give you a free quote now.