Renters Insurance Quote Forms
Looking for coverage? Click on the following link to submit a quote for quick, accurate and affordable rates.
Renters Insurance Information
Did you know that if you rent, what happens inside your home is your responsibility? If your belongings are damaged or someone is injured inside your rental, you’re accountable, which is where renters insurance can help.
What Is Renters Insurance?
Renters insurance typically protects you, your belongings and your living arrangement after a covered loss. A renters insurance policy offers liability and property damage coverage. The liability portion of your renters insurance policy can help protect you against claims of third-party bodily injury or property damage that you or someone listed as insured on your policy may cause. Your coverage may also pay the medical bills of someone injured in your rental.
What Does Renters Insurance Cover?
Renters insurance offers two personal property coverage options: replacement cost value or actual cash value. If you insure at replacement cost value, you can replace your belongings at today’s prices. You can get the replacement cash value minus depreciation if you choose the actual cash value.
Some renters insurance policies also pay your temporary living costs if you need to move because of a fire, severe storm or another insured disaster. This coverage may help with hotel bills, temporary rentals, restaurant meals and other living expenses. Legacy Insurance can discuss what your renters insurance policy may include.
How Much Coverage Do I Need?
A renters insurance policy premium depends on the value of your belongings and what you choose to insure. Because this is typically optional coverage, you want to select an appropriate amount of coverage that protects your belongings.
Renters insurance doesn’t typically cover floods, earthquakes, or routine wear and tear. Depending on your location and needs, you may need additional insurance coverage for flood and earthquake damage. We can help you determine what coverage you may want to have.
Protect Your Financial Livelihood
Locally owned and operated, Legacy Insurance in Colorado Springs, Colorado, is dedicated to providing the perfect insurance policy for your needs. Call us at 719-593-5814 to get the coverage you need to protect yourself and your financial livelihood.
You may also be interested in…