Why do I need renters insurance?
Renters insurance protects your belongings from unexpected damage or theft. It can also protect you financially if someone is injured and you’re found responsible. For example, your laptop may be stolen from your car. Or your furniture may get damaged because your upstairs neighbor left their bathtub running.
What does a standard renters insurance policy cover?
A standard renters insurance policy covers your personal belongings from damage or theft, your personal liability for injuries to others, plus any living expenses if you’re temporarily forced out of your unit due to a covered loss.
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Your belongings
If damaged or stolen, Plymouth Rock will arrange for your personal items to be repaired or replaced. It doesn’t matter if the items were inside or outside of your apartment. -
Lawsuits and medical bills
If someone brings a claim or lawsuit against you and you’re responsible, renters insurance can help you pay for your defense and court costs. It can also pay for necessary medical expenses for guests accidentally injured in your apartment. -
Emergency living expenses
If you’re temporarily forced from your apartment, we’ll help cover any loss of use costs such as temporary lodging, meals and other expenses while your apartment is being repaired.
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How to customize your renters insuranceÂ
You can choose from a range of optional renters insurance coverages, also known as endorsements, to help you tailor your policy to your specific needs. For example, you can add identity theft, replacement cost contents and flood insurance.
Helps reimburse you for expenses related to cybercrime and identity restoration, such as legal fees, lost wages and administrative costs.
Pays to replace damaged or stolen personal items (like furniture, electronics, etc.) with brand-new items of similar quality at today’s prices, without deducting for depreciation.
Renters insurance does not cover damage caused by flooding. So if you live in an area prone to flooding, you may want to purchase a separate flood insurance policy.
How can I lower my premium?Â
Being a smart shopper and researching the types of discounts your insurance company offers can put money back into your wallet.
Bundle your policies
Thinking about bundling your renters and auto insurance? Smart move! It will probably save you some cash, plus, you can manage both of your policies in one account.
Apply for discountsÂ
Most insurance companies offer a variety of discounts that will help reduce the cost of your renters insurance. You may be eligible for one or more.
Raise your deductibleÂ
Need help? Plymouth Rock is here for you.
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Common FAQs about renters insurance:
As a renter, you don’t need to worry about protecting the structure of the building you live in. Your landlord has insurance to cover that. What you should worry about is protecting the things you own.
Your renters insurance policy won’t cover your roommate’s belongings. To make sure their stuff is covered, you should have two separate renters insurance policies or one policy with both of your names on it.
Renters insurance rates are based on a variety of different factors, such as how much coverage you need, the location of your apartment, and your claim history. Each insurance company decides what factors are important and how much weight to give each factor.
Our independent agents are experienced, compassionate people—not automated bots. Plus, they work and live right in your community, so they understand your needs. They’ll help you:
- Get a free renters insurance quote
- Determine the best coverage and liability limits
- Select the proper deductible
- Take advantage of all available discounts
Plymouth Rock has been providing customer-first insurance in the Northeast for over 40 years. In that time, we’ve served over 900,000 customers and sold over $2.4 billion in annual premium, earning us an A- “Excellent” rating from A.M. Best Rating Services.Â