Renters Insurance
When renting a home, apartment, or even a dorm, you need renters insurance to protect you and your rental property. John Philip Insurance can offer you affordable renters insurance with coverage that perfectly made to meet your needs. Renters insurance also protects you if an accident happens at your home. Renters insurance can pay if you’re liable for damages to others’ property. It can also pay if injuries occur at your residence and help with the cost of legal defense. Even the cost of a small accident adds up quickly. Make sure you’re protected with the right renters insurance from John Philip Insurance.
Why do you need renters insurance?
Your landlord’s insurance policy doesn’t cover your belongings. So if fire, theft or weather damages your property, you’ll need the protection of renters insurance.
Renters insurance is affordable
Renters insurance is surprisingly affordable. John Philip Insurance allows you to tailor your coverage so that you get the insurance you want at a price you can live with. John Philip Insurance offers a variety of ways to save even more on your renters insurance. We offer discounts for:
- Monitored fire and burglar alarms
- Local ultrasonic burglar alarms
- Dead bolt locks on all exterior entryways
- Fire extinguishers
- Sprinkler systems
- Renters insurance combined with auto
Renters Insurance Coverage - Renters insurance policies typically provide basic protection for your property. But they may not provide all of the protection you want or need. Consider these renters insurance coverage options and tailor a policy that’s right for you.
- Personal liability -Covers bodily injury and property damage to others caused by your actions and/or negligence.
- Medical payments - Can pay up to an additional 20 percent of the home coverage limit if there is a total loss of your home – and additional money is needed to rebuild.
- Extended replacement cost on contents - Pays to replace or repair personal property without depreciation being taken from the value of the property.
- Water backup - This coverage protects you against losses caused by water that backed up through sewers or drains. (This is not flood insurance.)
- Ordinance or law - Pays for increased expense to rebuild due to current building codes or ordinances.
- Credit card - Pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card. This coverage also applies to forged checks and counterfeit money.
- Jewelry, watches, furs - Pays for the physical loss of jewelry, watches, furs, and precious and semiprecious stones.
- Firearms - Pays for the physical loss of firearms and accessories.
- Extended replacement cost - Pays full replacement costs without depreciation for covered personal property losses.
- Personal injury liability - Provides coverage for damages awarded to others due to injuries such as false arrest, libel, slander and invasion of privacy for which you are responsible.