Renters Insurance

Your rental home is where you build your life, but what happens if the unexpected occurs? While your landlord’s insurance covers the building, it doesn’t protect your personal belongings. That’s where Renters Insurance from University Insurance Group comes in. Our Renters Insurance policies are designed to give you peace of mind by protecting your personal property and offering liability coverage, all at an affordable price.

Personal Property Coverage

Your personal belongings—like furniture, electronics, clothing, and more—are valuable, and replacing them after a loss can be costly. Personal Property Coverage ensures that if your possessions are damaged or stolen due to events like fire, theft, or vandalism, you’ll be reimbursed for the cost of repairing or replacing them. This coverage applies whether your items are in your rental home or temporarily off-site, such as in your car or at a hotel.

Liability Coverage

Accidents can happen at any time. If someone is injured in your rental home or you accidentally cause damage to someone else’s property, Liability Coverage protects you from the financial burden of legal fees and medical bills. This coverage helps you avoid out-of-pocket expenses that could arise from lawsuits or claims.

Loss of Use Coverage

If your rental home becomes uninhabitable due to a covered event—like a fire or severe storm—Loss of Use Coverage helps cover the additional living expenses you incur while your home is being repaired. This can include the cost of a temporary rental, hotel stays, and meals.

Medical Payments Coverage

If a guest is injured on your rental property, Medical Payments Coverage helps cover their medical expenses, regardless of who is at fault. This coverage ensures that minor incidents don’t lead to major financial headaches, providing a straightforward way to handle injuries that occur in your home.

Additional Living Expenses (ALE)

If your rental property becomes uninhabitable due to covered events like fire or severe weather, ALE coverage can help cover your temporary living costs.

Why Renters Insurance Matters?

Many renters overlook the value of their contents, thinking they don't own enough to make insurance worthwhile. However, the cumulative value of clothing, electronics, and even smaller items can be surprisingly significant. There's also the aspect of liability—it only takes one accident to face potential financial hardship. Renters Insurance is an affordable way to protect yourself from these potential losses and liabilities.

Protect Your Belongings and Your Peace of Mind

Your home is your personal haven, and your possessions are part of your story. At University Insurance Group, we're ready to help protect both with a customized Renters Insurance policy. Connect with our caring team today.