Renters Coverage
Renters Insurance That Costs Less Than You Think
Your landlord's policy covers the building. It does not cover your laptop, your couch, or a guest who slips in your kitchen. That part is on you — and it's inexpensive.
Most renters policies we write land in the range of a single dinner out per month. For that you get your belongings covered against fire, theft, smoke, and water damage, plus personal liability protection that follows you.
Add up what it would cost to replace everything you own from scratch — bed, TV, kitchen, clothes, bike — and the number is almost always higher than people guess. That total is the personal property limit you want.
Many Schaumburg-area landlords now require proof of renters insurance at lease signing. We can email a certificate to your leasing office the same day.
What This Policy Can Include
Personal Property
Furniture, electronics, clothing, and kitchen goods, covered on and off the premises.
Personal Liability
Covers injuries to guests and damage you accidentally cause to the building or a neighbor's unit.
Loss of Use
Pays for temporary housing if your unit becomes unlivable after a covered loss.
Medical Payments to Others
Small no-fault limit for guest injuries, which often keeps a minor incident from becoming a claim.
Replacement Cost Option
Pays what a new item costs today rather than the depreciated value of your five-year-old TV.
Scheduled Items
Extra protection for engagement rings, instruments, cameras, and other high-value items.