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Residence Renters Insurance Policies

Tenant's Policies aka Renters Insurance aka Residential Renters Insurance

A renters policy can help cover losses due to common perils like theft, fire and smoke, vandalism and water damage from accidental discharge or overflow from certain systems and appliances. In addition to coverage of these common claims, renters insurance can help by reimbursing you for reasonable increases in living expenses such as the extra cost to live in a hotel or other rental unit when a covered loss makes the rental unit uninhabitable. Renters' can also provide liability protection and guest medical coverage in case someone gets injured.

Renters insurance policies do not cover the building(s) you are renting. However, they usually cover almost everything your own unrelated to the building.

Frequently inquirers have been surprised at how affordable Renters Insurance may be, for instance, we've seen renters insurance policies start at $65 per year.

Some common reasons given when people choose to not buy a renters insurance policy include:

• They think the landlord has it covered
• True, your landlord may have a landlord insurance policy, but it only covers his building, possessions, and liability, not your possessions or personal liability. You do need a renters insurance policy, contact us so that we can design one to fit your needs at 607-843-8860 or insurance@drickardinsurance.com.
• They think it's too expensive
• We found policies that start at $65 per month. A policy tailor-made for you could also be inexpensive. To get your own special policy, contact us at 607-843-8860 or insurance@drickardinsurance.com.
• They don't know it exists
• Surprise! It exists! For more details, contact us at 607-843-8860 or insurance@drickardinsurance.com.
• They feel they don't have enough possessions to warrant a policy
• If they could throw away everything they own and not be bothered, they might be right. The vast majority of people would be bothered if they lose even a portion of what they own. Therefore, most people do need renters insurance, and it is usually less expensive than what they think. To find out how much your policy would cost, contact us at 607-843-8860 or insurance@drickardinsurance.com.

Manufactured Home Tenant's Insurance - Are you the renter occupant of a manufactured home and would like coverage only for your contents and personal liability? Then you have come to the right place. We have seen these policies start at an annual premium of around $100 per year. Please keep in mind that coverage that may be purchased for this price may not be enough for your needs. For more information you should contact us with your concerns at 607-843-8860 or insurance@drickardinsurance.com.

1-4 Family dwellings - You don't own the building you are living in? Great, likely we can still find insurance for your stuff and personal liability. We have seen these policies start at an annual premium of around $65 per year. Please keep in mind that coverage that may be purchased for this price may not be enough for your needs. For more information you should contact us with your concerns at 607-843-8860 or insurance@drickardinsurance.com.

5 or more family dwellings - You don't own the building you are living in? Great, likely we can still insure your stuff and personal liability. We have seen these policies start at an annual premium of around $95 per year. Please keep in mind that coverage that may be purchased for this price may not be enough for your needs. For more information you should contact us with your concerns at 607-843-8860 or insurance@drickardinsurance.com.

Home Based Business - If you have a home based business including farming, farm animals, daycare, Ebay office, or any other business, you will need special endorsements on your policy to be correctly covered. Contact us at 607-843-8860 or insurance@drickardinsurance.com.