Renters Insurance Quote Forms
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Renters Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Renters Insurance Information
If you are a tenant, renters insurance might be something to consider. Because you’re renting a dwelling, there are a variety of unforeseen accidents that might occur. Renters insurance can help cover your personal belongings following an accident inside the dwelling you’re renting, protecting you from paying significant out-of-pocket expenses related to item recovery or damage.
What Is Renters Insurance?
Renters insurance, like most insurance policies, works like a contract. In exchange for an insurance premium, your insurer will provide you with financial assistance following an accident to assist with covering damage or recovery costs for your possessions up to your chosen policy limit. Most policies also have a deductible, which is the amount you need to pay out-of-pocket for a claim before insurance steps in.
What Does Renters Insurance Cover?
Renters insurance differs from homeowners coverage in that it does not offer coverage of the structure since the tenant does not own the home. Most renters policies typically include:
Who Needs Renters Insurance?
These plans can be tailored with specialized benefits like:
Typically, tenants need renters insurance, as they are staying in a home or dwelling that they do not own. Landlords usually require their renters to purchase policies because, in doing so, the renter reduces the landlord’s liability for accidents or losses that occur in the home.
Is Renters Insurance Expensive?
Multiple factors will influence the cost of your renters insurance, such as:
How Much Renters Insurance Should a Landlord Require?
The insurance needs of renters can vary from tenant to tenant. Some landlords might require tenants to have some type of renters insurance policy to ensure their personal belongings are protected if an accident occurs. Landlords might also require tenants to have liability insurance. Reach out to McKinney Insurance Services to learn more about renters insurance and liability coverage.
If you are a tenant near Asheville, North Carolina, we can help you out. The agents at McKinney Insurance Services are dedicated to assisting you in learning more about renters insurance so you can make the right decision on a policy for the dwelling you’re renting. Don’t waste a second in finding coverage.
Contact us today at 800-684-5020 to learn more.