Why You Need renter Insurance

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Some of the rental properties we insure…

Single Family
Duplex
Apartments
Condos

PERSONAL PROPERTY PROTECTION:  

Ensures coverage for your belongings against theft, damage, or loss.Top of Form

PERSONAL LIABILITY PROTECTION:

Shield against liability for injuries, property damage, and lawsuits.

MEDICAL EXPENSES FOR OTHERS:

If someone slip and falls in your rental property, their injuries may be covered.

LOSS OF USE: 

Protects against expenses for alternative living arrangements if your rental property becomes uninhabitable due to a covered event, such as a fire or water damage.

There are Four Standard Renter Insurance Coverages:

Personal Property Coverage:     

                                                                                                                Covers repair or replacement costs for your personal belongings if they’re stolen or damaged. Safeguards your furniture, electronics, clothing, and other valuables, from risks such as theft, fire, vandalism, and natural disasters.

Personal Liability Coverage:  

Provides coverage if a claim or lawsuit is brought against you for damages due to bodily injury or property damage, up to the limits of your coverage. It may also cover legal costs resulting from lawsuits.        

Medical Expenses Coverage: 

Ensure coverage for medical expenses for others who may be injured on your property due to a covered incident.

Loss of Use Coverage:   

If your rental property is damaged from a covered loss, and you’re unable to stay there during repairs or rebuilding, renters’ insurance covers your additional living expenses up to your policy’s limits.

Optional Renter Insurance Coverages:

Water Back-Up & Sump Pump Discharge or Overflow Coverage:  

Covers water damage to your property resulting from sump pump failure, overflow or backup.  Includes remediation and damage or replacement of your property up to the coverage limit.

Example:  During a period of heavy rain, your sump pump malfunctions, resulting in damage to your apartment.  This coverage may cover repair expenses up to the coverage limit.

Personal Injury Coverage:

Covers legal fees and damages from slander or libel lawsuits (something you say/write that damages a person’s reputation or business), false arrest or imprisonment, wrongful eviction, and other related lawsuits against you.

Example: Your neighbor accuses you of spreading false rumors about their business, resulting in a defamation lawsuit. This coverage pays your legal fees.

Potential Savings to Explore:

Insurance discounts can differ depending on the insurance provider you select.  It is important to note that not all carriers offer the same discounts.

Home Safety Discount:

Secured Gate Community Discount:  Earn a discount if you reside in a gated rental community with a security guard, key, or remote entrance to the gated community.

Payment Discounts:

Pay in Full Discount:  Save by paying for your renter’s policy in full upfront rather than making monthly payments.

Policyholder Savings:

Advanced Quote Discount:  Save on renter’s insurance by shopping ahead. Obtain a quote at least three days before your policy starts to reduce your rate.

Online Savings:

No Paper Discount: Receive a discount by choosing to receive your documents by email. 

Flexi-Bundle™ & Save:

Flexi-Bundle™ Discount:  Combine up to four insurance products and select from up to four insurance carriers.

Frequently Asked Questions

How Do I Pay My Bills? 

You have two payment options:

Option 1:  Click the Carrier tab, scroll to locate your carrier. Most carriers accept online payments via check, credit card, or ACH.  Click on your carrier’s name and proceed to make your payment.

Option 2:  Click the Customer Center tab. Scroll down to find the Input1 icon. Input1 offers digital payment options, including ApplePay and eWallet.  Click on the Input1 icon, log in, and make your payment. 

Report The Claim by Phone:

  • Click on the Carrier tab.
  • Locate your insurance carrier.
  • Use the carrier’s claims phone number to report the claim.

Report The Claim Online:

  • Click on the Carrier tab.
  • Use the carrier’s claims website link to report the claim online.

Here are some things to consider when deciding whether to file a claim:

  • Was anyone injured?
  • Did you cause damage to someone else’s property?
  • Is your rental property unsafe to live in?
  • Do the damages exceed your deductible?
  • Is the issue related to maintenance or normal wear-and-tear?

If you answered yes to one or more of these questions, it’s advisable to consider filing a claim. If you have further questions about the claims process, don’t hesitate to contact your insurance carrier directly.

Step 1: Get to Safety:

  • If the rental is uninhabitable, relocate to a safe place.
  • Keep track of your living expenses, such as hotel costs and receipts for meals eaten out.  

Step 2: Protect and Secure Property:

  • Cover or tarp holes in walls and roof.
  • Board up windows and doors to prevent looters.
  • Ensure fire and embers are extinguished and move any property at risk of damage.

Step 3: Collect Info and Document Losses:

  • Create an inventory list of all lost items and do not throw anything away.
  • Document everything and maintain a claim diary.  Take note of who you spoke to and when, any completed work, and keep business cards from adjusters or contractors.

Step 4: Contact Your Insurance Carrier

Your immediate priority is ensuring the safety of yourself and your family.  Contact the police promptly to report the burglary.  When the police arrive, they will compile a report detailing the incident, which is necessary for filing your insurance claim and expediting the process. 

Additionally, create a detailed list of lost or damaged items, along with their estimated values, to provide to your insurance company when you contact them.

Flood damage is typically not covered by a renter’s insurance policy.  To safeguard against flood-related damage, it’s essential to purchase a separate flood insurance policy, which can be obtained through Insurish. 

If you reside in a flood-prone area, obtaining flood insurance should be a priority. Use the FEMA flood map to access the flood risk associated with your address. This information will help you determine whether purchasing flood insurance is advisable to protect your contents.

To purchase flood insurance, simply visit the Insurish website and navigate to the Products tab at the top of the home page to get a quote or contact us with any questions.

Step 1: Secure Property

  • Temporarily repair and turn off the water source.
  • Secure valuables to prevent further damage.
  • Unplug electrical appliances near the affected area.

Step 2: Start Remediation

  • Contact a contractor to repair the source of the leak.
  • Begin drying up any visible water and start the mitigation process.

Step 3: Prepare for Claim

  • Keep receipts for any out-of-pocket expenses.
  • Take photos of the damage and refrain from disposing of any damaged items.

Step 4: Contact Your Insurance Carrier

Step 5:  Contact your landlord or property management company.

A deductible is the portion of covered expenses that you are responsible for paying out of pocket before your insurance coverage begins to apply. 

For example, if your renter’s insurance deductible is $1,000 and you incur $10,000 in damages, the insurance company will cover $9,000, and you would be responsible for paying your $1,000 deductible.

Absolutely. We use secure encryption technology to keep your personal information safe. When it comes to your application, we never pull your data without your approval first. We will also never sell your data to any third party…ever.

If you have questions, you can call, text, email, or live chat with a real expert at Insurish who is standing by to help. No matter how you contact us, we will get back to you immediately. For help, click the Contact Us tab.

We offer insurance solutions for all your personal needs like auto, home, life, health & more. We also offer products for all your business needs, like liability, property, trucks & more. We don’t stop there! We also offer a wide array of car care and safety & security products.

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Please Note:

At Insurish, we provide general information on insurance products to help you grasp their different aspects. It’s important to note that this information isn’t an insurance policy and doesn’t pertain to any specific carrier’s policy. It doesn’t alter any provisions, limitations, or exclusions expressly stated in an insurance policy. Descriptions of coverages, discounts, and features are concise. For a comprehensive understanding of specific policy details, we recommend reading the applicable policy and consulting an Insurish agent. Coverages and features vary by insurer and state and may not be available in all states. Coverage for accidents or losses depends on the terms and conditions of the actual insurance policy. References to premiums, losses, deductibles, and costs are illustrative and may not apply to your circumstances. Insurish is not liable for the content of third-party sites linked from this page.