We have no affiliation and receive no kickbacks — we simply found this to be the best coverage at the lowest price.
Renters Insurance
We like to make things easy, this was the easiest insurance we could find with:
Best coverage, lowest deductible, at a low cost
We recommend the coverage amounts listed below, except for the personal liability and water damage . Cost should only be around $150 for the year
01
Personal property $10,000
Protects your stuff everywhere, in your car, at school or on a vacation
02
Portable Electronics $1,500
If you break it, it won’t break you to replace it
03
Personal Liability $1,000,000 required
This protect you, this is a life changing number
04
Loss of use $12,000
This will get you through the school year without stress if something happens
05
Interested party
required
Add us to your policy so we will get notified
06
Tenant water damage $1,000,000
required
To round out full coverage to leave you without stress if something happens
07
Deductible $250
Keep it low so it will not be a burden to use your insurance
WORKING TOGETHER
We work with you to come up with the very best solutions for your challenges!
01
Check Lemonade website
They have a lot of great information there scroll to the bottom for more links
02
Parents insurance
You can check with your parents insurance you might be covered but for the cost of this plan we would recommend getting this insurance.
03
Contact us with any questions
We are always here to help
04
Have a Great day
Make it easy
FAQs
Got a question? We’re here to help.
What Is Renter’s Insurance?
Renter’s Insurance is a policy that provides financial protection for a renter’s belongings and liability in the case of property damage or personal injury claims.
What Happens if I Don’t Have Renter’s Insurance and Something Happens?
You’ll be responsible for covering all losses, including potential legal liability.
Where do I get insurance coverage?
Some homeowners policies provide some coverage, but not in all situations. You should check your homeowners policy to see what’s covered. You can also search for different providers, but we have found after an extensive search that Lemonade is not only the easiest but the cheapest with the best coverage.
How do I create an inventory of my stuff?
Here are a few quick tips of making an inventory of all of your things, in case something happens.
o Take Inventory. Make a list of your belongings. If you live with a roommate, then be sure to indicate what belongs to each person. Be as precise as possible. Make a copy and keep one with you and leave a copy in a secure location such as a safe deposit box.
o Compile serial numbers and receipts. Create a logbook with serial numbers and receipts for as many items as possible. This is helpful if your items are stolen.
o Take Photographs. Photographs can help you stay organized and show the general condition of the item.
o Record a video. You can also take a video in place of photos and an inventory. You'll want to make sure that you record all info listed above.
o Review your policy. Pay attention to limits, deductibles, and other information to make sure the policy reflects the coverage you need.
o Set aside an emergency fund to cover your deductible in the event of a claim.
o Once a year go through the list and eliminate items you may have replaced, donated, or sold. Also, be sure to add items you have purchased throughout the year.
o Tag it. Depending on where you live, taking time to engrave items such as bicycles, sports equipment, or other items can help assist if they are lost or stolen.
o Before renewing your renters insurance policy, make sure your deductibles and coverage amounts are correct. Pay special attention to any valuables or limitations that may need additional insurance. If you own coin collections, artwork, or other items that increase in value, you may need to purchase additional coverage.
