Get excellent protection for the many important things that fill your home
From the splash of color you gave the once bare walls to the investment you made in stylish furniture, decorative light fixtures, and custom drapes, you have taken great pains to make your rented place look and feel like a home. Like you, Fred C. Church believes your apartment, and all it holds, is deserving of special attention and protection. Our knowledgeable team will help you design a customized renters insurance policy to safeguard you and your belongings from the potential risks of renting. These hazards can include fires, water damage, break-ins, and even lawsuits.
Average monthly cost of a renters insurance policy
Too many renters underestimate the value of their belongings and the benefits of insurance.
Whether you’ve just finished unpacking all your moving boxes or you’ve been renting the same place for years, it’s very likely that the things in your apartment are collectively worth far more than you are giving them credit for. You don’t have to be a clothes horse, a technophile, or a fine art collector to have an apartment filled with tens of thousands of dollars in belongings. For this reason, at Fred C. Church, we talk to renters about investing in broad insurance coverage to protect what is important to them. Renters insurance includes protection for your lost, damaged, or stolen belongings, liability coverage, and much more.
Talk to an insurance professional about your renter risks.
Talk To An Insurance Professional About Your Renter Risks.
What are the three main components of your renters insurance policy?
Before you buy, Fred C. Church will help you understand the ins and outs of your policy.
The three main coverages in your renters insurance are not so different from those found in a standard home insurance policy. In the event you are renting an apartment, condo, or house and experience a fire, break-in, water damage, or other similar misfortune, you should have coverage for any personal possessions that are ruined. Your renters insurance should also help you pay for any additional living expenses that you incur while displaced from your rental as a result of one of these situations.
Rounding out the coverages in your renters insurance policy is one more key financial safeguard – liability protection. This component of your policy is critical because it is there to provide coverage should you ever be sued for injuring someone else or damaging another person’s property. Whether you, a family member, or even your pet is found to be liable for an accident, this coverage could pay for the cost of defense in court, up to the limit of your policy. In addition, your renters policy should also include no-fault medical coverage as part of the liability protection. This allows someone who gets injured on your property to simply submit their medical bills directly to your insurance company, hopefully helping you avoid a lawsuit altogether. Other additional protections you may want to consider based on your belongings and lifestyle include:
Umbrella Insurance to provide you with liability protection beyond the limits of your renters and auto policies
Scheduled Personal Property Endorsement to ensure that any valuable items, such as jewelry or sports memorabilia, could be replaced at their full value if stolen, lost, or accidentally broken
Personal Cyber Liability to financially protect you from identity theft fees, online ransom and extortion payments, data restoration expenses after a personal cybersecurity breach, and more
If you need help making these important decisions about your renters insurance solution, the professional team at Fred C. Church is here to make it easy. We will help you understand all your coverage options and assist you in selecting the best policy for your lifestyle and budget.
Here are some additional insurance options
available to renters through Fred C. Church:
Identity Fraud Expense Coverage
At-Home Business Rider
Replacement Cost Policy
What we mean when we say,
“It’s the people.”
If you choose to work with Fred C. Church as your insurance broker, you will experience our unique approach to finding the right protection plan for your personal property and managing the risks you inherently have as a renter. You will also see how important it is to us that you wholly understand the renters insurance coverages that we recommend as safeguards for your most meaningful assets. Most important, you will learn that, as an independent, employee-owned company, we don’t answer to anyone but you. Our only responsibility is to serve your personal goals, needs, and situation. With Fred C. Church, you will always come first.