Renters insurance is a package that provides coverage for your personal property. It also provides liability coverage when you're legally responsible for a covered accident not excluded under the policy.  If someone other than you or a resident of your household is injured in an accident on your insured premises, your renters insurance provides medical expense coverage.

If you're renting a residence, you are                                          responsible for protecting your possessions                                      against loss. You also need protection against                                         any covered liability loss. Your landlord is only                                            responsible for the building and any
furnishings, appliances and other things that                                            may be included with the dwelling.

There are several things you can do to avoid                                              being underinsured.  Inquire about personal                                              property endorsements that cover special items  such as jewelry,furs, computers and fine art.  Be sure to tell your
agent when you make improvements or additions or purchase
additional valuable items.

There are several ways to control your insurance costs and still have adequate coverage.  Consider a higher deductible. It can lower your premium. However, you may be forced to pay more out-of-pocket expense if you suffer a loss and file a claim. Check your home for fire, theft, and safety hazards. Regular maintenance will make your home safer and less likely to suffer damage or losses. 

Call our office, 256-3510 to receive our renters discounts  when combined with your auto policy.

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It's a good idea to have an up-to-date inventory of your personal belongings.

Photos, videotape and digital disks are a good way to record what you have. Be sure to keep these files and tapes in a safe place off premises, such as a safe deposit box.