Renters Insurance

Have questions? We are always here to help!

Renters-Insurance-Harford-County-Agents-MDRenting has its advantages…

 

There are many benefits to being a renter… Let’s face it, you’ve got it pretty good: No property taxes, no lawncare, no shoveling in the winter… Simple and relaxing!

But in the event you return home from work, or perhaps a vacation, and all your possessions inside your home have been damaged by a fire, what would you do? Or what if you come home to find all your valuables have been stolen?

You might think that the owner’s insurance will handle all of these issues.

It doesn’t.

 

Re-buying everything and starting over

 

You’ll be surprised at how reasonably priced a renter’s insurance policy can be. Aside from protecting all your valuables, it will cover you from being held liable for injuries to other parties within your home. So, in the unlucky event you are being sued, and the judgment goes against you, the renter’s policy will cover you up to the policy restrictions.

 

Should you have renter’s insurance?

 

Almost two-thirds of the 81 million people who rent their homes are uninsured regarding their contents or any culpability arising out of their tenancy. Don’t be a statistic …

Initially, add up exactly how much it might cost to re-buy your items.

Second, find out if renter’s coverage is required by your property owner.  Check with the terms of your lease and verify.

Third, request a renter’s insurance policy quote to verify how affordable it can be to ensure that your items will be replaced in the event of a disaster or theft.

 

What is covered by renters?

 

Renters insurance can cover almost all of your personal possessions. Most companies give insurance coverage for electronic digital gear and items, small home appliances, sports gear, camera equipment, clothes, furniture, glasses, glassware and china, and books. Special items like furs, watercraft, jewelry and computer systems and firearms can even be covered with extended protection.

Your renters insurance policy will generally involve:

  • Personal property security
  • Family accountability defense
  • Visitor medical support
  • Further cost of living expenses
  • Additional safety
  • Short term housing
  • Culpability protection for anyone on your own property
  • Lawsuits for which your location could be held accountable: Injury to somebody else, injury to another person’s house (regardless of if the accident transpired within your rented residence or elsewhere)

Once more, we encourage all renters to spend just five minutes with a calculator to add up the price of replacing almost everything they own as individual. It could save you thousands of dollars and many headaches in the future!

Call our Harford County insurance professionals and let our experts assist you in creating the best protection for your lifestyle.

Renters-Homeowners-Insurance-Agents-Bel-Air-MD

 

"Amanda was very friendly and helpful during a big step in our lives (buying our first rental property). She gave great advice and created a plan to cover all of our insurance needs, even when a few obstacles arose. All of our questions were answered promptly throughout the process, and my husband and I truly appreciate her service!"

Linda Chern Zvitkovitz

"Amanda has been beyond amazing! She helped me with home insurance last year, and helped again when I had to use the insurance just a few months after settlement! I have now switched my car insurance to Nationwide! I would recommend anyone to this office knowing they would get the absolute best customer service! Thank you, Amanda, for all you have done!"

—Ashley O'Connor

"AWonderful customer support at all times. Always ready to help at any time. Courteous, professional, knowledgeable. Immediate and supportive response when claims made."

—Meg Bates Jones

"Amanda was simply amazing! We had a horrible experience with Allstate and she helped make the transition super smooth to Nationwide! Allstate messed up our cancellation date and Amanda handled everything, we didn’t even have to send her any paperwork, it’s nice to know you’re being taken care of especially when it comes to insurance!"

—Laura Hoffman

"Wonderful customer support at all times. Always ready to help at any time. Courteous, professional, knowledgeable. Immediate and supportive response when claims made."

—Meg Bates Jones

"The staff was very helpful, professional and supportive in seeing us through tree and structural damage resulting from a wind storm. Great staff."

—Ursula Cain-Jordan

"Been with Rick for many, many years, and have always been well taken care of, both for my business accounts, and personal. And without Lucy's help, I'm sure my head would have exploded by now."

—Andrew Merz

"I recently moved our home & auto insurance to Gentry & Assoc. I have worked with both Amanda and Courtney. They both have been a great help with the translation and are always quick to reply to my email requests. If you’re looking to shop your insurance, give them a shot!"

—Kim Maisel

"I was switching over from another insurance provider and they made it the easiest thing possible for me. Anything I had questions on they knew and if I had to send them information about anything I can shoot my agent with a quick picture of the information over a text! Friendly, and honest people."

—Donny Stimax

"Amanda , Has always been a very great!!! agent with Rick Gerety & Assoc. Inc . Thank you Amanda for working very hard to help me stay Insured & Communication and making sure I get the right information . I wish everybody with Nation Wide a happy holiday & Thank you for what y’all do for us."

—Michael Giles

"As a customer of Rick Gerety & Associates for many, many years, we could not be more pleased with the outstanding customer service and knowledge of the industry. Always available in a timely fashion to change/adjust policies as needed in our changing world. Highly recommend."

—Grace M. Manger