Renters Insurance Quote Forms
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Renters Insurance Information
Kansas City Renters Insurance
Also Serving St. Louis, Springfield, Wichita & other areas in Missouri, Kansas, Oklahoma & Texas
What Is Renters Insurance?
A rental house is as much a home as any other. Renters insurance can help you not have to worry about how you can afford to pick up the pieces following accidents at home. It is a lot like homeowners insurance, but it won't force the renter to carry unnecessary coverage because they don't own the property.
Insurance (of any kind) exists for one reason—financial assistance. Policies are supposed to help you afford unexpected, unavoidable costs that arise in various parts of your life. Renters insurance can help those who experience problems in their rentals pay the costs that arise from such losses.
What Does My Renters Insurance Cover?
Renters policies can contain a variety of coverage, all of which the policyholder will find essential.
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Possessions Coverage: Following such events as fire, vandalism, theft or weather damage, this coverage can help you replace your personally-owned items, including your furniture or clothes.
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Living Expenses Coverage: If covered events, such as fires, force you to temporarily leave the rental home, this coverage can help you cover such costs as hotel bills.
Keep in mind, your policy won't cover everything. The policy won't cover mold damage, unless the mold develops as a part of damage from a covered accident. It also won't cover car damage, which is why you need car insurance.
For help insuring special items or risks, our agents can assist. We want to make sure you get as much coverage as possible for your specific needs.
Does Renters Insurance Cover Accidental Damage?
Renters insurance generally covers accidental damage to your personal property caused by events like fire, theft, or water damage from a burst pipe. However, it does not cover intentional damage or damage caused by negligence.
What Does Renters Insurance Not Cover?
Renters insurance typically does not cover damage caused by floods, earthquakes or pests like bed bugs. It also usually excludes coverage for your roommate's belongings and any damage to the structure of the rental property itself.
Can Renters Insurance Be Required?
Often, a landlord will require you to buy renters insurance as soon as you move into their rental property. By moving into the home, you'll pose risks to the property owner. They therefore want to ensure you have the backup to take responsibility for problems that might arise.
Can I Transfer My Renters Insurance to a New Apartment?
Yes, you can transfer your renter’s insurance to a new apartment by notifying your insurance company about your move. They will help you set up a policy for your new address, ensuring continuous coverage.
Who Does Renters Insurance Cover?
There are many people who can receive coverage under renters insurance.
What Does Renters Insurance Cost?
Your renters insurance premium will vary, but policies often fall under $20/month for apartment renters. We'll help you get the perfect fit of coverage, and you'll never have to pay an unfair price for it.
The sooner you get renters insurance, the more financially-sound you will be. Call Auto Insurance Discounters at (866) 288-6545 or get an online quote. We're ready to help!