Renter’s Insurance

For anyone who rents an apartment, house, condo or any other property, renter’s insurance is a must. Your landlord has insurance to cover their investment, but in the event of a fire, theft or other disasters, you are not protected unless you have renters’ insurance. Any insurance the owner purchases only covers their losses, including the building itself and any common areas. Insurance for tenants covers YOU.

If you are renting a home or apartment, contact Gunn-Mowery. As an insurance agency, we can collect quotes from different insurance companies so you find the right coverage fit at the right price. That’s the Upside of Insurance with Gunn-Mowery.


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What Is a Renters’ Insurance Policy?

Renters’ insurance covers personal property, such as your home computer, clothing, electronics and furniture, against damage and theft — up to a specific limit. As with other types of insurance, you may have a deductible you agree to pay in the event of damage or theft, and after spending this amount, the insurer will pay the rest of the claim, up to the policy limits.

Your insurance can cover you for the current cost of your property value, less depreciation. Or, you can choose to pay an additional price to have coverage for total replacement cost. This means you will get the amount needed to replace the items that are stolen or damaged. In both cases, the policy protects you whether you’re at home during an incident or not.

In addition to protecting your personal property, renters’ coverage also protects the people who visit your home. This insurance covers some property damage, bodily injury claims and potentially legal defense if a claim is filed against you for an accident in your rented home. If a visitor to your home is injured because of your negligence, renters’ insurance can also pay for medical costs. As with all insurance, this is subject to the limits of your policy.


Do I Need Renter’s Insurance?

If you rent your home, you need renters’ insurance. Without it, in the event of a fire or major disaster, you would have to start over. Consider how much it would cost to replace everything in your apartment or house. You have likely spent years accumulating your belongings, and it would be challenging to replace all of them or even a significant portion of them out of pocket. Also, facing a legal claim because someone was injured in your apartment is more distressing without insurance.

If you would like to get robust renters’ insurance that addresses your needs, get a renters’ insurance quote from Gunn-Mowery. At Gunn-Mowery, we are committed to the Upside of Insurance. That means we work harder to bring you competitive quotes from multiple companies, and we work to bring you the coverage you need based on your needs and budget. Contact Gunn-Mowery today to talk to our friendly team about your needs and to answers to your insurance questions.


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