You have a lot of things that are important to you – from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you’ve worked for is not at risk.
Let J.H. Ryan and Company help you find coverage options that protect you, your family, and your personal property. Let us help make sure you’re properly covered.
What You Need to Know
Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home.
For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.
Protect Yourself and Your Guests
Your renters insurance policy also protects you and your family against certain bodily injury and property damage claims for which you are liable. Legal defense is also provided in the event you are sued after a covered loss, subject to the limits you have selected.
In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available. Let us help you find the right amount of coverage to suit your insurance needs.
The Right Coverage, The Right Price
Whether you’re starting out, between homes, or downsizing, we’ll help you pick the Seaford renters insurance coverage that best fits your needs.
Be sure to ask about available discounts including burglar alarm credits and account credits for customers who package their auto and/or umbrella policies with their renters insurance policy.
Common Renters Insurance Questions
How Much Is Renters Insurance Per Month?
The cost of renters insurance can vary depending on what your coverage limits are and what you want covered. It can also vary because of your credit score or previous loss history. In general, a policy with average limits with clean credit and no loss history will run you about $15-25 a month.
What Is The Best Renters Insurance Policy?
The best renters insurance policy is a policy that provides you the best coverage at a price that you’re comfortable with.
Should I Get Renters Insurance?
Everyone should carry renters insurance if they rent a home or apartment. Renters insurance covers more than just your things. It provides you with a liability insurance policy to protect your assets. Renters insurance will protect you with coverage from theft and fires too.
Is Renters Insurance Worth It?
If you’re a renter, getting a renters insurance policy is always worth it. At less than a dollar a day, it is an affordable insurance policy that protects you and your assets.
What Does Renters Insurance Cover?
Renters insurance covers a variety of things from your personal items like your computer and couch to your clothes. It also provides you with liability protection in the event you are found liable for injuries to others you’re found liable for as well as provides you with temporary living expenses if your home becomes uninhabitable for periods of time.
Can a Landlord Require Renters Insurance?
Yes, landlords can require you to carry a renters insurance policy. Many renters assume their landlord’s insurance policy will cover their personal items in the event of a loss, but that is not true.
Can I Use My Roommate’s Renter’s Insurance Policy?
No, roommates are specifically excluded from renters insurance policies unless they are listed on the policy by name. Roommates are excluded from coverage for personal property, loss of use and liability coverage.
We always recommend a renters insurance policy. If you have questions about your renters insurance or would like to get a renters insurance quote, please contact us.