Renters Insurance Quote Forms
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Renters Insurance Information
Looking for the best deal on Renters Insurance in Kansas City?
Are you moving into a new place and need renters insurance? We got you covered! Bargain Insurance Connection provides fast a free quotes on renters insurance for Missouri and Kansas residents.
Make sure all you personal property is insured in case of fire, windstorm or hail, theft and vandalism. Our renters policies include personal liability coverage, which is required by most landlords or management companies. Ready to get a price? Request a quote today and have your proof of insurance in minutes.
Why Do You Need Renters Insurance?
Renters insurance coverage gets overlooked a lot of times in the busy schedule of life. If you are renting an apartment you may be asked by your landlord to show proof of renters insurance. If there is a fire and you lose everything in your apartment, your landlord’s insurance policy will not cover your contents. Most fires start in the kitchen and while you may be careful about not leaving your stove unattended, are you sure your neighbors are?
What Is Renters Insurance?
Renters insurance, like any form of insurance, is essentially financial protection against accidents in your home, apartment, condo or other type of rented dwelling. Policyholders pay an insurance premium in exchange for financial assistance following an accident.
What Does Renters Insurance Cover?
- Personal Property – this part of your renters insurance covers your personal property inside the apartment or a house. It insures your contents against fire, theft, burglary, vandalism, wind, lightning and hail damage. Not all renters policies are created equal, some coverages are limited like electronics or jewelry. Discuss it with your insurance agent which coverages suits you best.
- Liability Insurance – the liability coverage is there to protect you against lawsuits from people injured in your apartment or house or if you accidentally cause damage to the building. Let’s say your guest slips on the steps and falls, breaking their leg. Liability would help pay for their medical expenses, also help you with the legal defense should they file a lawsuit against you. Most landlords are requiring you to have at least $100,000 in liability coverage before leasing to you.
- Additional Living Expense – this part of your policy would pay additional living expenses if you are forced to move because of a covered loss. If you are forced to move to a hotel temporarily because of a fire, this part would pay the extra expenses incurred up to the limits of your policy.
How Much Renters Insurance Do I Need?
Renters insurance is generally not mandatory, but some landlords and homeowners associations might require you to carry coverage. If you plan on acquiring renters insurance, you should make a personal inventory of the items kept inside the place you’re renting. Doing so can help determine a value and assist you in deciding on the right policy.
How Often Should I Shop for Renters Insurance?
You may consider purchasing alternative policies if you currently have a renters insurance policy. It’s essential to stay ahead of this process. Shopping around to compare policies a few weeks before your policy ends or renews can allow you the time to look at other coverage options.
I Run A Business Out of My Apartment, Am I covered?
In short, no. Your business property or any claims made against your business will not be covered by your renters insurance. If you own a business, it’s best to get a business policy or general liability insurance to cover your business property. Here is more information about general liability insurance or business owner’s insurance.
Does My Landlord’s Insurance Cover Me?
Your landlord probably has insurance on the building that covers structural damage and provides liability, but that coverage does not extend to the tenant. If the building was destroyed in a fire, their policy would not pay for your contents, only your own renters insurance would cover that. Their liability may only cover your medical expenses if you are injured on their property due to landlord’s negligence. Renters insurance is inexpensive coverage, with rates starting around $12 a month. Unless you have the means to replace everything you own at once, getting this valuable coverage for the low cost is important.
Bargain Insurance Connection is ready to help you obtain renters insurance for your apartment or a house, we provide quotes from several national insurance companies to offer you the best coverage and lowest rates. Just call us at 816.453.7722
or submit your quote request below.