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Renters Insurance

You can’t afford not to buy renters insurance

Why do I need Renters Insurance?

What would you do if suddenly all of your belongings were just … gone? While homeowners are usually covered for losses, renters very often are not. Imagine having to re-purchase every household item, from clothing and shoes to furniture and household items. Start counting up the value of every item you own, from pans to pajamas, and you will quickly realize you don’t ever want to be in the position of replacing every item you own.

The irony is that preventing this scenario is so easy. Renters insurance is extremely affordable. Your landlord carries coverage on the building you live in, but your personal belongings and your liability for accidents are up to you to insure.

What does Renters Insurance cover?

Renters Insurance from Pekin Insurance can cover not only belongings but liability and certain other expenses:

Personal Belongings

If your belongings are destroyed by a fire, tornado, other insured disaster, or even if they are stolen, this portion of your policy will cover your furniture, clothes, and other personal items. But here’s the great part: it isn’t just limited to possessions in your home. This coverage will protect your belongings anywhere in the world. You’ll want to keep a home inventory of all you own for easier claims handling.

Additional Living Expenses

Sometimes you have to relocate if your home has been destroyed due to damage from a fire, storm, or other insured disaster. This coverage pays the costs of living away from home, such as hotel bills, restaurant meals, and other living expenses incurred while your home is being rebuilt.

Liability Protection

This coverage protects you and your resident family members from liability lawsuits for bodily injury or property damage you cause—anywhere in the world. It also pays for damage caused by your pets.

Medical Payments

No-fault medical coverage is also an important coverage option because if a friend or neighbor is injured in your apartment, he or she can simply submit medical bills to Pekin Insurance. This ensures expenses are paid without a liability claim being filed against you.

Deluxe Endorsement

For the most comprehensive coverage, you will want to add the Deluxe endorsement package which includes: 1) replacement cost on contents, 2) $15,000 identity fraud expense coverage, 3) $1,000 refrigerated property coverage, 4) personal injury liability coverage, 5) water back-up coverage, and 6) lock and garage door transmitter coverage if keys or transmitters are lost or stolen.

Additional Endorsements

Special coverages are also available for canine/feline protection.

See what Pekin Insurance can do for you.

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