Renter's Insurance

  • What do you need to know about renter's insurance?

    Your landlord's insurance policy will not protect your personal belongings. If theft, a fire or weather damages your property, you will need the protection of renters insurance to restore and replace your possessions. Apartment renters insurance also protects you if an accident happens at your home. Tom Collins Insurance Agency renter's insurance carriers will pay if you are found liable for damages to others people's property. A properly designed renters policy will also pay if injuries occur at your apartment and help with the money required for legal defense.
  • Renters insurance is affordable

    If you rent an apartment, house or even a dorm room, you need renters insurance to protect you and your renter's property. Tom Collins Insurance Agency offers affordable renters insurance coverage that is designed to fit you and your lifestyle. The cost of replacing or repairing your possessions or the cost of reimbursing costs associated with accidents in your apartment can place financial burdens on you. Make sure you are protected with the right renters insurance policy from the Tom Collins Insurance Agency.

Learn more about your additional options for Renters insurance policy including:

  • Personal liability
    Settles claims for bodily injury and property damage to others caused by your actions and/or negligence.
  • Medical payments
    Covers for other's medical expenses resulting from an accident on your property. This coverage on your renter's insurance policy will not apply to you or regular residents of your household.
  • Personal injury liability
    Coverage is for damages earned by others due to injuries such as false arrest, libel, slander and invasion of privacy for which you are responsible.
  • Credit card protection
    Protection pays up to your selected limit for unauthorized transactions on your personal credit cards and bank debit/ATM card. This coverage also applies to forged checks and counterfeit money.
  • Money Loss
    Protection will settle claims for the physical loss of money, bank notes, bullion, gold, silver, platinum, coins and medals.
  • Jewelry, watches
    Additional line item that will reimburse for the physical loss of jewelry, watches, and precious and semiprecious stones.
  • Document Losses
    Protection for the physical loss of securities including accounts, bills, deed documents, letters of credit, notes, passports, stamps and tickets.
  • Firearms
    Pays for the physical loss of firearms and accessories.
  • Loss of use
    Provides reimbursement up to the limit specified on the policy for additional living expenses resulting from being unable to live in your home.
  • Theft extension
    Personal belongings stored away from your home will be covered in or on any motor vehicle, trailer or watercraft this line item will reimburse for losses.