What's Renters Insurance?

Renters insurance is a type of homeowners insurance which helps protecting your personal contents you own that won't break the bank. Get renters insurance for your things and lower your anxiety a bit. And if you have a car, you can possibly save money by having your renters and car insurance bundled. Ask an Agent at Johannes Agency for any info or questions you may have!

Why Would Someone Want Renters Insurance?

While getting coverage for your personal contents is important, one of the main perks is gaining the personal liability coverage. Like homeowners insurance, 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.

What's Covered By Renters Insurance?

Personal property, things like computers, furniture, electronics, bikes, etc.

Renters insurance may cover losses caused by:

• Weather: Fire, storms, wind, hail, lightning, freezing of a plumbing system, weight of ice, snow or sleet.
• Non-weather: Theft, vandalism, riots, aircraft and vehicles.

What's Not Covered By My Renters Insurance?

Renters Insurance may not cover:   

• If the insured intentionally causes harm to property or person.
• Business pursuits or professional services.
• Ownership, operation, or maintenance of aircraft, motor vehicles and some watercraft.

• Actual Cash Value – pays to replace your possessions minus a deduction for depreciation up to the limit of your policy.
• Replacement Cost – pays the actual cost of replacing your possessions (no deduction for depreciation) up to the limit of your policy.

Please refer to your actual policy for a complete list of losses not insured and policy exclusion.

Ask an Agent at Johannes Agency for more info on how Renters Insurance could be right for you!