Slowey Insurance Agency

7352 Center Street
Mentor, Ohio 44060

Ph. 440-255-3411

 

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Renters Insurance

You have a lot of things that are important to you Ė from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything youíve worked for is not at risk. Let us help you find coverage options that protect you, your family, and your personal property.

 

 

 

 

OHIO Ė WHAT YOU NEED TO KNOW ABOUT RENTERS INSURANCE

You can choose to include personal property protection in your policy, which can travel with you wherever you are in the world. Some policies will even pay the full replacement cost of your things that were damaged or stolen without deduction for depreciation, up to the limits and deductibles you select.

PROTECT YOURSELF AND YOUR GUESTS

Your renterís insurance policy can protect you and your family against bodily injury, property damage claims, and litigation up to the limits you select. And if a visitor is injured in your residence, or by you or a household member, a policy can pay covered medical expenses, up to the limits you select.

 

Call: 440-255-3411

Slowey Insurance Agency

7352 Center Street
Mentor, Ohio 44060

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GET THE RIGHT AMOUNT OF COVERAGE AT THE BEST PRICE

Whether youíre starting out, between homes or downsizing, we will help you pick the renters insurance coverage that best fits your needs. Ask about discounts for burglar alarms, and for having multiple policies, like your renters and auto insurance both with Safeco.

 

Renters FAQs:


Q: Why would I want to buy renters insurance?

A: If you live in an apartment or a rented house, renters insurance provides important coverage for both you and your possessions. A standard renters policy protects your personal property in many cases of theft or damage and may pay for temporary living expenses if your rental is damaged. It can also shield you from personal liability. Anyone who leases a house or apartment should consider this type of coverage.

Q: How does a renters policy protect my personal property?

A: A renters policy provides named perils coverage. This means that the policy only pays when your property is damaged or destroyed by any of the ways specifically described in the policy. These usually include:

  • Fire or lightning

  • Windstorm or hail

  • Explosions

  • Riots

  • Aircraft

  • Vehicles

  • Smoke

  • Vandalism or malicious mischief

  • Theft

  • Falling objects

  • Weight of ice, snow, or sleet

  • Accidental discharge or overflow of water or steam

  • Freezing

  • Sudden and accidental damage from artificially generated electrical current

  • Volcanic eruptions (but this doesnít include earthquake or tremors)

  • Renters coverage applies to your personal property no matter where you are in the world. This means youíre covered when you are on vacation as well as at home.

Q: Why do some apartment complexes require tenants to have renters insurance?

A: Owners of apartment complexes buy insurance policies for their liability and to cover their buildings and personal property. However, these policies do not cover any of the tenantís property or liability. By requiring their tenants to have renters insurance, the apartment owner is assured that the tenants will not mistakenly believe the apartment complex ownerís policy will provide coverage for a tenantís property or personal liability. Although this type of requirement benefits that apartment complex owner, there are benefits to the renter as well. We recommend that you purchase renters insurance regardless of what your landlord requires.

Q: What if I share my apartment with a roommate? Do we both need to have renters insurance?

A: Standard renterís policies cover only you and relatives that live with you. If your roommate is not a relative, each of you will need your own renterís policy to cover your own property and to provide you liability coverage for your own actions.

 

 


 

 

Slowey Insurance Agency

7352 Center Street
Mentor, Ohio 44060

Ph. 440-255-3411

 

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