Serving tenants in Federal Way, WA, Hart Insurance seeks to make finding renters insurance easy. Renters insurance is specifically designed with tenants needs in mind. A proper policy will provide coverage for you and your belongings, and our independent insurance agents can help you find such a policy.
Your Belongings and Yourself
All renters insurance policies are unique, containing different coverage that is detailed in the terms and conditions. Most policies have two main coverage options, though: personal property coverage and personal liability coverage.
Personal property coverage protects your belongings. Should your possessions be damaged or lost in a covered incident, the policy will reimburse you according to this coverage’s terms and conditions. Some policies provide depreciated value coverage, which pays for the fair-market value of your used belongings, while others include replacement cost coverage, which gives you the money necessary to replace the item with a new one. Of course, all coverage options will be carefully detailed in your policy, so you should read the policy over carefully.
Personal liability coverage may reimburse you for expenses related to an accident that’s covered and you’re deemed liable for. Liability coverage can vary greatly from policy to policy. Your specific protection will depend on your policy’s terms.
An Independent Insurance Agent
Understanding the different coverage options included in a renters insurance policy can be difficult if you’re on your own. At Hart Insurance, however, our Washington-licensed, independent insurance agents will clearly explain the technical jargon, ensuring that you understand your policy. Because our agents are independent, they can review any renters insurance policy you’d like, as long as it’s offered by an insurer in Washington.
Don’t spend hours struggling to compare renters insurance policies. Call our office today and we will help you through the entire process of selecting a policy.
