About the program

Life can be difficult, protecting your “stuff” shouldn’t be! Our “Renters Express” program can have you covered in as little as 20 minutes. Protecting your property, your identity and providing you with peace of mind is what we do…and for as little as $2.59 per week! That’s right, replacement cost protection for your property, Identity Recovery coverage and personal liability coverage delivered the same day for less than a cup of coffee per week!

Contact our Agency

 610-868-8762

Coverage Needs

Furniture
Clothes
Entertainment

HDTV, speaker system, Beats headphones

Laptops or tablets
Recreation equipment

bikes, snowboards, musical instruments, game consoles, cameras

Furniture
Clothes
Entertainment

HDTV, speaker system, Beats headphones

Laptops or tablets
Recreation equipment

bikes, snowboards, musical instruments, game consoles, cameras

Renters

Personal Property

Risk Factor

Unpredictable losses can occur to your property due to burglary, fire, water damage, storm and more.

Solution

Personal property, such as furniture, rugs, TVs, stereos, clothes and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles and other valuables should likely be insured separately.

Limits and Exclusions

Risk Factor

Some types of personal property are subject to limits of coverage under renters insurance policies. These limits vary by the type of property and by what caused the loss or damage. For example, jewelry, bicycles and collectible cards or coins may have limited coverage or may not be covered.

Solution

Obtain a floater. A floater is coverage that specifies the item(s) covered under the policy, the limits of coverage applicable and the deductible. This is the best solution to make sure your favorite valuable item(s) are covered in the event of a loss.

Additional Living Expense

Risk Factor

If the building you live in has a loss from a covered peril under your renters insurance policy that makes your apartment or home uninhabitable, you will need to find somewhere else to live while the repairs are undertaken. This can be expensive and inconvenient.

Solution

Be sure your insurance policy includes additional living expense coverage. If you need to move out and rent another location, this coverage provides for the increase in living expenses – such as moving costs, increased food costs and other expenses.

Liability

Risk Factor

You are responsible if you or a guest in your unit trips and falls or sustains an injury while on your property.

Solution

Be sure that you have adequate liability insurance to protect for claims made against you for bodily injury or property damage – such as a slip and fall or other allegation. Liability coverage also provides protection should you become legally liable for unintentional bodily injury or property damage anywhere in the world.

Medical Expenses

Risk Factor

You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.

Solution

Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.

Landlord

Risk Factor

You may not be able to rent the apartment or home if your landlord or property manager requires renters insurance and you do not have it.

Solution

Having a renters insurance policy allows you to provide a certificate of insurance to the landlord or property manager showing that you have the coverage required to rent the apartment or home.

Improvements or Betterments

Risk Factor

Any improvements or betterments that you have made to your unit are subject to damage.

Solution

Be sure to obtain coverage for improvements or betterments that you have installed in your apartment or home.

Contents Away from Home

Risk Factor

You may take your valuable property outside of your unit. For example, what happens if your laptop or golf clubs get damaged or stolen while traveling?

Solution

Be sure to add off premise theft coverage to your policy to cover your personal property while your belongings are away from your home. Auto insurance does not usually cover personal property stolen from your car.

Premises Liability

Risk Factor

You may be responsible for damage to your apartment or dwelling should you, for example, have a leaking sink or accidentally start a fire.

Solution

Be sure your policy has liability coverage that includes tenants legal liability or premises liability. Your landlord may require that you to have this type of insurance protection in place as a requirement before renting the property to you.

Explore our interactive
renter scene!

Learn about common risks regarding your apartment or rental and discover how the proper insurance can help.

Did you know you could save even more?

Package your renter’s insurance and car insurance.

Options for a companion car insurance policy

Combining your car insurance with our Renters Express can mean big savings on your insurance bill. Placing your renters and car insurance with the same carrier can save you up to an additional 15% on our already low auto rates.

Disappearing deductibles

Protection for your Pet

Replacement cost protection for cars 2 years old or less

Accident forgiveness

$0 Deductible for your windshield claims (and we’ll even throw in new wipers when the windshield is replaced)

Great rates for your motorcycle

Are you a Rideshare driver? We have programs for you too!

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