If you rent your home, your landlord is responsible for insuring the building. However, the insurance your landlord carries does not cover your personal belongings. Many renters fail to consider the cost of replacing their clothing, furniture, stereo, pots and pans, linens, sporting goods, and computers in the event of damage or theft.
Tulsa renters insurance through Tulsa Insurance Guy covers your possessions from these unforeseen incidents. It also protects you and your family if you’re held legally responsible for injuries to another person while in or around your home. Tulsa renters insurance is an affordable, easy way to protect yourself and your belongings for just a few dollars a month.
At Tulsa Insurance Guy, we work with each of our clients to determine the amount of Tulsa renters insurance coverage that fits both their needs and their budgets. There are many different policies available through the 80 nationally-recognized carriers with which we partner. Here are some of the types of coverage we offer to renters in Tulsa:
A Tulsa renters insurance policy covers personal belongings such as your couch, flat-screen TV, tablet, skis, game console, and more. Your possessions are protected whether they’re at home or with you anywhere around the world. In certain situations, your stuff may even be protected if it’s stolen from your car.
Your renters insurance policy also includes liability coverage, protecting you if you’re held responsible for injuring another person or if a guest gets hurt while visiting your rental home.
If you can’t live in your building while it’s being repaired or rebuilt after a covered loss, your rental insurance policy may cover additional living expenses associated with the cost of temporary housing.
If you have things such as a keyboard, guitar or drum set, gold necklaces, or other collectibles like your grandfather’s vintage baseball card collection, you may need extra protection. With valuable articles coverage, the belongings you specify in your policy are protected by an agreed dollar amount, and there is no deductible.
As a renter in Tulsa, you must take steps to protect yourself and your belongings. With a bit of preparation, you can fully enjoy life without worrying about the unexpected.
Your Tulsa renters insurance policy covers the repair or replacement of the belongings listed in your policy. It is important to complete a home inventory to make sure that you have enough coverage to replace your belongings in the event of damage or theft. Additionally, maintaining an online home inventory through a service such as Know Your Stuff will allow you to quickly and easily reference your belongings if you must make a claim.
Your landlord is responsible for the upkeep of the building in which you live. However, it is important to educate yourself on water leak detection and prevention. By notifying your landlord of a water leak before it becomes a serious issue, you can prevent excessive damage to your personal belongings.
If the area in which you live is prone to natural disasters such as tornadoes, hurricanes, wildfires, hail storms, earthquakes, or severe winter weather, it is important that you properly prepare. By investing time in preparation, you can protect yourself, your family, and your belongings.
At Tulsa Insurance Guy, we are always looking for ways to provide our clients with the Tulsa renters insurance coverage they deserve at an affordable rate. Here are a few ways to save on your policy:
Many of our Tulsa renters insurance carriers offer discounts if your apartment or rental home has a fire alarm, sprinkler system, or burglar alarm installed. When you are looking for your next home, consider adding these features to your list of “must-haves”.
By bundling your renters insurance policy with other coverage such as auto, motorcycle, or boat, you may be eligible for additional savings!
Selecting a higher deductible will decrease the amount you pay for Tulsa renters insurance by shifting part of a loss payment to you. While a higher deductible will lower your renters insurance bill, it will increase how much you’ll pay out-of-pocket if you file a claim.
Tulsa renters insurance is incredibly affordable. Get an even better rate by paying your bill in full at the start or renewal of your policy instead of opting for monthly payments.
Tulsa renters insurance protects your belongings from damage or theft. It also protects you in certain types of liability cases, like if you’re held legally responsible for injuries to another person while they’re visiting your apartment or the house you rent.
No, renters insurance does not pay for your rent. However, it may cover expenses related to temporary housing if you can’t live in your building while it’s being rebuilt or repaired after damage.
Tulsa renters insurance only costs a few dollars a month! It would cost a lot more to replace your belongings without the protection of a renters insurance policy.
No, your landlord is only responsible for insuring the building. They are not responsible for insuring the personal belongings within your apartment or rental home.
With renters insurance, your belongings are covered at home or anywhere in the world. If your luggage is stolen while you are on vacation, you may be eligible for reimbursement to replace the stolen items.