If you rent rather than own your home, having insurance protection for yourself and your possessions is still important. Renters insurance protects you in situations that everyone can face: fire, theft, water damage and other unforeseen circumstances or situations your apartment owner's policy doesn't cover.
Renters insurance typically provides coverage, up to the limits you select, for specified items and situations, including:
• Personal property (furniture, electronics, computer equipment, clothing, etc.)
• Personal liability if someone is hurt, whether in your home or away from it
• Damage to your apartment or home caused by a covered loss
Renters insurance also provides additional coverage options that you may choose for added protection:
• Contents Replacement. Provides full replacement cost for personal belongings with no deduction for depreciation.
• Personal Injury. Protects you against libel and slander.
• Identity Theft Protection. Provides assistance from a consumer fraud specialist and covers expenses related to restoring your good name and financial reputation.
• Valuable Items Plus Endorsement. Provides a blanket of coverage that is broader than what a basic Homeowners policy provides. It is the right coverage for people who own valuable possessions such as jewelry, artwork cameras and computers.
• Personal Articles Floater. Provides even more comprehensive coverage than the Valuables Items Plus endorsement. It is the right coverage for people who wish to protect items that have been carefully selected and whose values exceed the limits of either the Renters policy or the Valuable Items Plus endorsement.
• Umbrella Policy. Offers an additional $1 million to $5 million of liability protection.
• Flood Coverage. Flood damage is typically not covered under a homeowners policy. This affordable coverage covers damage to your property and provides cleanup reimbursement.
• Pleasure Boat Insurance for small watercrafts.
Discounts for Renters Insurance
Daly Insurance offers a variety of ways to save you money on your renters insurance. We offer discounts for:
• Monitored fire and burglar alarms
• Smoke Detectors
• Local ultrasonic burglar alarms
• Dead bolt locks on all exterior entryways
• Fire extinguishers
• Sprinkler systems
• Renters insurance combined with auto insurance or other insurance policies
Don't put your hard earned possessions at risk. Call Daly Insurance 912-352-1400 today for a renters insurance quote.
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