Renters Insurance to fit your budget and needs

Low Cost Renters Insurance

Everything you need to know about Renters Insurance
Whether you dig maintenance-free living or you’re just not ready for a fixed-rate commitment, you rent. And you’ve got things, right? Over-priced purses, a near-complete baseball card collection of the ’85 world-champion Royals, or maybe even a beautiful assortment of bling.
Our agency will search far and wide to find you the right renters’ insurance to keep whatever goodies you’ve got properly protected.
What Is Renters Insurance?
Basically, it’s a contract between you and an insurance company, where the insurer will help to pay the tab if you, a visitor or your personal goodies get damaged due to any number of causes.
Is Renters Insurance Mandatory?
Nope. Unlike homeowners’ insurance, which is required by most mortgage lenders, purchasing renters’ insurance is up to you. In some cases, however, a landlord may require it. So I guess we should change that “nope” to a “maybe”?
Is Renters Insurance Worth It?
Take a good look around your place, and write down everything you own, down to the last popcorn kernel. Now, how much would it cost to buy all that stuff brand-new? Add it all up and the actual retail price is… most likely worth it.​
Should I Get Renters Insurance?
Yes, it protects your things, but it can also help to cover the costs of lawsuits, living expenses if you need to move out temporarily, and medical bills if you or a visitor is injured. So for the monthly price of two burritos and a fountain drink, you could get yourself some solid peace-of-mind.
​What Does Renters Insurance Cover?
Your everyday, garden-variety renters’ insurance policy typically involves a trifecta of coverages that will financially keep you keepin’ on if the bad-luck bear decides to attack.
A renters’ insurance policy can include the following:
  • Personal property coverage: This will help pay for the cost of replacing damaged or lost goods.
  • Liability coverage: This will help to cover legal defense costs and medical bills for you or a visitor.
  • Additional living expense (ALE) coverage: If the rental property is too messed up to live in while it’s being repaired, some policies will pay for a hotel and other living expenses, like groceries.
How Much Does Renters Insurance Cost?
The average annual cost of renters’ insurance can vary based on the amount stuff you have (and how nice it is) as well as a number of other risk factors.
Why not call us for a quick no-obligation quote to see how much we can save you on Renter’s Insurance?
Protect Yourself with a Renters Insurance Policy
If you are currently renting a house or apartment, protect yourself financially with a renters insurance policy.
  • This provides insurance protection in the event a fire, hurricane or other insured disaster damages or destroys your personal possessions.
  • It also covers the cost of additional living expenses if something happens to make your rental home or apartment unlivable.
  • Additionally, renters insurance gives you liability protection if someone is injured in your home and decides to sue you.
  • Disasters happen, and it would be unfortunate to have to use the down payment you saved to buy your new home to pay for losses that could have been covered by renters insurance.
  • Furthermore, having a renters insurance policy provides a useful insurance history to your prospective homeowners’ insurer when you go to buy your first home.
Our office looks forward to a no-obligation review of all your insurance needs.
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Gene Ruggerio, President, and Allen Vest, Vice-President, invite you to schedule your own virtual/phone consultation in learning more concerning: how/what/when and most importantly why you should make the switch to being an independent agent today. Contact Gene or Allen at (205) 776-1680.
​Alabama Insurance Agency, Inc. and ALASTAR Insurance Agency, LLC has perfected the agency/owner model of managing and operating an Independent Insurance Agency,  Our agents focus on the client relationships, building a sales force, and operating a profitable agency in which they have an ownership interest.