Renters Insurance

Affordable Renters Insurance in Tennessee to Protect More Than Just Your Belongings

Why Should I Buy Renters Insurance?

First of all, renters insurance is required by many landlords and apartment complexes. They will most likely want to be listed as an additional insured on the policy. 

 

It is typical for apartment complexes or landlords to require either a $100,000 or $300,000 liability limit. This amount should be listed on your lease.  Your liability limit protects you should someone be injured on your property and sue you or your landlord.  

 

However, this is not the only important coverage on your policy. Your renters policy also protects your belongings that you move into your new space. Your personal property limit will be the maximum amount the insurance company would pay to replace your belongings in the amount of a covered loss. 

 

Before you shop for renters insurance, take a look around your home to determine the amount that would be needed to replace all of your belongings. Don’t forget things such as clothing, furniture, electronics, art, or jewelry. These things can add up fast! Check this amount with the personal property limit on your policy to ensure you are fully covered.

How Much is Renters Insurance?

Renters insurance is one of the least expensive types of insurance. The average cost for renters insurance in Tennessee is about $199 a year or $17 a month.  Your rate may vary based on the area where you live, your credit, or claim history. As a independent insurance agent, we compare your rate with top-rated companies like Progressive, Safeco, Encompass, and more to ensure you are getting the best price for you. You owe it to yourself to protect what you own. 

Why Can’t I Just Get My Renters Insurance From a Website?

You certainly can! However, there are a few things to consider when buying your insurance over the web…

  • A website can’t assess your true risk. It can ask you a few generic questions, but it won’t know to ask specific questions unique to the area where you live which can leave you with gaps in your coverage.
  • A website doesn’t give you a local agent that you know and trust that you can call or text anytime. If you ever need help, you have an automated phone system waiting for you.
  • A website doesn’t give you an ally between you and the insurance company to help you with billing issues or claims.

 

Going with a local agent can give you the peace of mind that you are well covered and you will have someone right here in Murfreesboro to help whenever you need them. Give us a call today at 615-919-1009 or click below for an affordable Tennessee renters insurance quote.