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Renter's
Insurance
Even if you don't own your home, you can protect its contents against fire and other kinds of loss. Talk to an agent today!
Renter’s Insurance is coverage generally for those who occupy a home or apartment but do not own the residence. The renter’s insurance policy, or HO-4, usually provides coverage for personal property, loss of use, personal liability, and medical payments.
Renter’s insurance most commonly has a flat deductible of anywhere between $100-$1000, depending on the carrier. The deductible is usually the same whether the incurred loss is from a hurricane or a fire.
The coverage you select for personal property should be how much it would cost to replace all your personal belongings in the event they were all destroyed.
