Renters Insurance Quote Forms
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Renters Insurance Information
With renters insurance, you will be able to replace what is damaged or stolen.
Renters in Northern Virginia have special needs that most insurance companies don't understand. Most areas of the country don't have apartments renting for more than $2000 per month. That's why you need a local agent who understands are market. Renters in Herndon, Reston, Sterling and Ashburn need an agency who understands their needs for liability coverage, additional living expense and coverage for their valuable items. .
If you are forced out of your home because of a disaster your additional living expenses will be covered.
Renters insurance pays the reasonable additional costs of temporarily living away from your home if you can't live in it due to a fire, severe storm or other insured disaster. It covers hotel bills, temporary rentals, restaurant meals and other living expenses incurred while your home is being rebuilt. Coverage for additional living expenses differs from company to company.
Renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court.
Decide How Much Insurance You Need.
Add up the cost of everything you would want to replace if it were damaged or stolen. This could also serve as the basis for an inventory that will make filing a claim easier. For an inventory, also record model numbers, dates and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in safe place away form your home.
If you rent an apartment or house you need insurance to protect your belongings. While your landlord might have insurance, it only protects the building. Your belongings are not covered under those policies.