Renters Insurance
Commercial insurance shields your business from common risks like property damage, theft, liability claims, business interruptions, and employee injuries—keeping you protected and prepared.
Commercial insurance shields your business from common risks like property damage, theft, liability claims, business interruptions, and employee injuries—keeping you protected and prepared.
Renters insurance protects your personal belongings from fire, theft, or water damage. It also offers liability coverage if someone gets hurt in your home. Plus, it can cover temporary living costs if you're forced to move out. It's affordable, smart, and often required by landlords.
Get low-cost renters insurance that protects your belongings, covers liability, and helps with living expenses after a loss. Find a policy that fits your budget and needs—available near you today. Peace of mind doesn’t have to cost a lot.
Renters insurance is generally affordable, with average premiums ranging from $15 to $30 per month. The exact cost depends on factors like your location, the value of your belongings, coverage limits, and deductible amounts. Higher coverage limits and lower deductibles usually increase the price.
Some policies also include liability protection and additional living expenses coverage, which can affect cost. Discounts may be available if you bundle with other insurance or have security devices. Overall, renters insurance offers valuable protection at a reasonable price.
OLPolicy’s Renters insurance is for tenants renting an apartment, condo, or home. It typically provides coverage for your belongings from damages such as fire and smoke, vandalism, theft, and some weather-related incidents too. It also protects you financially if a visitor to your home gets injured and takes legal action.
Learn about the ways Allstate can help protect you as a renter.
Learn how you can save on Renters Insurance by browsing discounts.
Get helpful information about filing a renters insurance claim with Allstate.
Standard renters insurance usually covers damage from fire and smoke but excludes floods and earthquakes. Separate policies or endorsements are needed for these perils.
Yes, renters insurance often covers personal property even when it’s away from your rental, such as in your car or at a friend’s house, up to a certain limit.
To file a claim, contact your insurance company with details of the damage or loss, provide proof of ownership, and cooperate with any investigations. Prompt filing can speed up reimbursement.
Yes, many insurers offer discounts for smoke detectors, security systems, bundling with other policies, or being claim-free. Discounts can reduce premiums by 10-20%.
A deductible is the amount you pay out-of-pocket before insurance pays a claim. Higher deductibles usually lower your premium but increase your cost when filing a claim.
Renters insurance generally covers most common causes of loss, including accidents, natural causes, and illnesses. However, there may be specific conditions related to suicide, which some policies exclude during the initial years of coverage. Fraud is often the leading reason for claim denials, and insurers may also refuse claims if a beneficiary is involved in the policyholder’s death.
Fire & Smoke: Renters insurance protects your personal belongings from damage caused by fire and smoke. It also covers additional living expenses like hotel stays or meals if your rental becomes uninhabitable due to such damage.
Vandalism & Theft: If someone breaks into your rental and steals valuables such as electronics or other personal property, your renters insurance can reimburse you up to your policy limits.
Water Damage: Sudden and accidental water damage—excluding flooding—is typically covered. This can include leaks or burst pipes inside your rental that damage your belongings.
Visitor Injuries: Liability coverage helps cover medical bills if a guest gets injured on your property. It can also assist with legal expenses if you face a lawsuit due to such injuries.
Our renters insurance is designed to offer you strong protection at an affordable price. Reach out today by filling out our form, and let us help safeguard your home and belongings against unexpected losses.
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