NJ Renters Insurance Quote Process

Getting a New Jersey renters insurance quote from Plymouth Rock Assurance is quick and easy. Here’s what you can expect when you call Plymouth Rock or work with your local agent for your quote.

1.    We’ll get to know you better by asking a few questions and gathering some other basic information.

2.    Next, we’ll help you customize your coverage. We’ll talk limits, deductibles, and if you need any personal property endorsements to protect an engagement ring, expensive electronic equipment or other collectibles.

3.    That’s it! You’ll get a price for your coverage and be able to have your policy effective the same day. We’ll also run though the different payment options available to you.
Every one of our New Jersey renters insurance quotes comes with expert advice from our professionals or your local agent. With that kind of help, you won’t be left wondering if you have too little insurance or what your coverage protects.

If you'd prefer to get a quote online, it only takes a few minutes. Start your quote now!

What to Consider Beforehand

If you don’t like making decisions on-the-spot, here’s what you should think about before getting your quote and a list of some information to have handy.

Here’s what to consider beforehand:

•    Do you want to take advantage of Plymouth Rock’s low-cost renters endorsement and attach the coverage right to your Plymouth Rock auto policy? Or are you looking for a standalone renters policy? Both offer advantages and slightly different coverage options, which we can explain in detail.

•    How much insurance do you need? Basically, you’re putting a price tag on all of your stuff should you need to replace it. Clothes, kitchen utensils, furniture, electronics and more can add up really fast. Don’t have any idea? Your insurance professional will be able to help you estimate.

•    What’s a deductible you’re comfortable with? This is the amount you’ll need to pay out of pocket before your coverage kicks in if you need to submit a claim. $500 and $1,000 deductibles are typical for renters coverage.

Here’s what you’ll need:

•    Your full name, date of birth, full address of the property you’re renting and marital status.

•    If you currently have renters coverage, see if you can find your “declaration page” that outlines your coverage. This will allow you to get an apples-to-apples coverage comparison.

•    A credit card so you can make your down payment or pay for your policy in full (credit cards are the easiest way to pay for your policy).

What About My Roommate?

Many people ask if their renters policy will also cover their roommate. It usually doesn’t. Unless it’s one of your immediate family members, roommates cannot be covered by the same policy and will need their own.

My Landlord Wants To Be On My Policy

Landlords will sometimes ask their tenants to be added to the renters policy. What they’re really asking is to be added as an “additional interest,” not an “additional insured.” When you add your landlord as an “additional interest” they will be notified if your policy lapses, cancels or is not in force for some reason. Let us know if they are insisting on being added as an interest – we can help you out.

Get Your Quote

Go online, call Plymouth Rock at 833-857-5848 or find a local agent to get your New Jersey renters insurance quote. If you need additional information, you can visit our Contact Us page.