Tennessee Renters Insurance

Tennessee Renters Insurance

Tennessee Construction Insurance

Even if you’re just starting out, or living in a place for a year, getting a renter’s insurance policy – probably the least expensive and easiest-to-obtain insurance you’ll ever own – could be a smart investment. You may not think you’ve got anything of great value, but you probably do – more than you could comfortably afford to replace in the event of a bad burglary or a fire.

The technical name for renters insurance is an HO-4 policy and it’s specifically designed to protect people living in apartments. These policies protect your belongings from loss or destruction, but coverage is limited to 16 specific perils.

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While specifics can vary from policy to policy, almost all HO-4 policies cover the following events:

  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Riot or civil commotion
  • Damage caused by aircraft
  • Damage caused by vehicles
  • Smoke
  • Vandalism or malicious mischief
  • Theft
  • Volcanic eruption
  • A falling object
  • The weight of ice, snow or sleet
  • Accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning, or automatic fire-protective sprinkler system, or from a household appliance
  • Sudden and accidental tearing apart, cracking, burning or bulging of a steam or hot water heating system, an air conditioning system or an automatic fire-protective system
  • Freezing of a plumbing, heating, air conditioning or automatic fire-protective system, or of a household appliance
  • Sudden and accidental damage from artificially generated electric current (does not include loss to a tube, transistor or similar electronic component)

Many policies will also cover additional living expenses, which means that if your apartment is destroyed your Tennessee renter’s insurance policy will cover your living expenses.

Do I Need A Renter’s Policy?

Yes. Because bad days happen. Sometimes they’re your fault. Sometimes they just come at you.

Renters insurance is much like homeowner’s insurance. It pays for your personal property that’s damaged or stolen. And it provides liability protection for any damage or injuries caused by you, your household family members or your pets, either in or outside the apartment..

Sometimes called apartment insurance, it will also help pay hotel expenses if your unit is temporarily unlivable, say due to fire or water damage.

It differs from homeowners insurance in that it does not cover structural damage. This is also why it’s much cheaper.

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For more information, call us at 1-888-851-5572. If you would like to receive a fast and free quote, visit us on our webpage!

Tennessee Renters Insurance
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