Renters

You have a lot of things that are important to you — from your clothes and furniture to your electronics, sports gear, and computer. You worked hard for your belongings so you deserve the peace of mind that comes with protecting them in the event of a storm, water loss, theft, fire or other covered perils. We offer multi-policy discounts on your auto policy for having a renters policy with our agency. Check with your Melissa Ems Insurance Agency Advisor for more details!

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What coverage does a renters policy include?

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Your renters policy covers your personal property against damage due to a covered loss such as water loss or theft subject to the limits and deductibles you select. It can apply whether you’re renting an apartment, condo or home. The replacement cost coverage ensures your items will be replaced at current market value with no depreciation for a covered loss.

Your renters insurance policy also protects you and your family members against bodily injury and property damage liability claims and any litigation that may result from another person subject to the limits you select.

In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence.

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Inventory

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It is our recommendation that at least twice a year, you take a video or pictures of all of your personal property and store it on the cloud or somewhere you can access it in the event of a catastrophic loss. Open cabinets and drawers to document contents. In the event of a loss, the adjuster will request an itemized list of contents and cost to replace each. It will not only document the presence of said item(s) but also assist in creating a content list, expediting the claim process.

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Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.