As you plan your move to your new apartment or rental home, you’ve probably gone online for furniture, accessories, cleaning supplies, and whatever else you’ll need. After all, that’s how most people shop for just about everything today. But did you know that you can also find cheap renters insurance online?
Here’s How to Find Cheap Renters Insurance Online
Finding cheap renters insurance online is not so different than seeking out anything else on the web. Start with a search engine query. Ask Google or other search engines for renters insurance quotes in the city and state to which you’re moving.
For instance, you might query “renters insurance quote Huntington Park, California” if that’s your destination. You’ll get back pages of links to major carriers and unheard-of insurers alike. Some will offer “quotes in 30 seconds” or make similar claims. Most ask for some basic information, such as the address and structure of your new space. You might be asked how much coverage you want and about your deductible. (The deductible is the amount you agree to pay before your coverage kicks in. The larger the deductible, the lower your premiums.)
In most cases, it won’t take long to get back a figure that you can use to comparison shop for coverage. In a matter of a few hours, you could get a good idea of how much you’ll spend and which company can offer the cheapest renters insurance policy.
Why Do I Need Renters Insurance in the First Place?
With all that you’ve had to do in preparation for your big move, renters insurance probably hasn’t been top of mind. Maybe it should be. Renters insurance can offer critical financial protection — at a surprisingly low premium cost — from loss or damage due to theft, vandalism, fire, wind, and other ruinous events.
Doesn’t My Landlord Have Insurance?
A responsible landlord will have insurance. However, your landlord’s financial responsibility is for the infrastructure: the walls, roof, plumbing, HVAC, electrical systems, and so forth.
So, if there were a fire in a neighboring unit, your landlord’s policy would cover the damage to the structure. But what if smoke got into your unit and destroyed your clothing and upholstered furniture? Your landlord’s homeowners insurance policy would not cover that.
In other words, your cheap renters insurance covers your stuff. It also pays if you must relocate to a motel or other accommodations while your rental unit is being repaired after a cataclysmic event.
What If I Don’t Get Renters Insurance?
Without renters insurance, you might be stuck. Sure, you could possibly sue your landlord for damages. And if your landlord was at fault for the destruction caused to your property, you might eventually get a settlement. But that could take months or even years.
In the meantime, can you afford to find a place to live for the next few weeks or months if you have to resettle temporarily? What if you work from home and all of your computers and other electronic devices are stolen? How long would it take you to buy all of the equipment you need to get back into business? Do you have all of that money upfront?
How Much Does Renters Insurance Cost?
You can get a cheap renters insurance policy for less than $100 a year. At the most, you might pay a few hundred dollars annually.
Once you’ve shopped around online and have found a few insurers with the best rates, contact insurance agents and find out the details. Describe what you have to insure and discuss how much coverage you should get and with what deductible.
An independent insurance agent can get you various quotes from major carriers, depending on the factors that are of the greatest importance to you. Multiple quotes mean expanded choice.
Whatever your policy needs, you shouldn’t be troubled by the cost of renters insurance at just about any price point.
Make It Simple — Find Affordable Renters Insurance Online Today
At Freeway Insurance, we can get you a quick, free renters insurance quote online in a minute or so. You can also call us at (800) 777-5620, or find a Freeway Insurance office near you if you’d prefer a face-to-face meeting with an independent insurance agent.
However you reach out, we’ll help you find multiple options for cheap renters insurance coverage.
