New Jersey renters insurance is a smart and affordable way to protect your personal belongings, like that brand new flat screen TV or your family heirloom earrings. It also helps protect you in case you’re held responsible for someone’s injuries.
Plymouth Rock Assurance makes it simple for you get renters insurance in NJ with two convenient options.
1. Add the coverage right to your Plymouth Rock auto policy! This is an easy and affordable way to protect your home and car — all on one bill. Just ask about the Plymouth Rock renters endorsement to take advantage of this low-cost option.
2. Or, you can get covered with a standalone renters policy. Purchase the policy on its own, or combine it with your Plymouth Rock auto insurance to save money with a multipolicy discount.
Purchasing renters coverage can be one of the best decisions you’ll ever make. It covers your possessions from risks like fires, pipe bursts and break-ins. It also comes with liability protection. So if someone seriously hurts themselves while trying new dance moves at a birthday party you’re hosting, your policy may help pay if you’re held legally responsible for those injuries.
While your landlord may have insurance on the building you’re renting, that coverage typically doesn’t extend to you or your things.
Without renters coverage, you could be responsible for the entire cost of replacing your belongings if they are stolen or damaged in a covered loss. It can be easy to say, “I don’t really have that much stuff.” But, you probably have more than you realize. Here’s a good way to think about it: if you turn your apartment upside down, could you afford to replace the things that fall out? Think about every pot and pan in your kitchen, all of the shoes, coats and clothing in your closet, and all the electronics you own. It adds up fast.
Your renters policy also gives you broad liability coverage, which protects you while you’re at home and away. Say you’re hurrying through the airport trying to catch a flight. You’re in such a rush that you knock down a little girl and seriously hurt her. Your renters policy could help pay for her medical bills if you’re held legally responsible. We’ve all heard about $400 hospital aspirins.
Just about anyone who rents can benefit from having renters coverage.
Just moved into your first apartment? Renters coverage can help protect the couch your parents bought you as a housewarming gift — the one where you lounge while streaming movies on your smartphone or tablet (which your policy also covers).
Renting a family home? Your policy can help cover your kids’ sports gear, the countertop kitchen appliances that you use to make your secret cookie recipe, and the bedroom set you purchased after paying off your student loans.
Downsizing? If your kids have grown and you’re moving into a smaller space, a renters policy gives you the coverage you need for your treasured belongings, like vacation souvenirs and your wedding china.
Get Covered Today!