Renters Insurance

Renters insurance provides essential protection for your belongings and more. A standard policy from GRIT Insurance may include:

• Personal Property Coverage: Protects your belongings—like furniture, electronics, clothing, and appliances—against damage or theft.
• Liability Coverage: Provides financial protection if you’re found responsible for injuries to others or damage to their property.
• Loss of Use Coverage: Covers additional living expenses if your rental becomes uninhabitable due to a covered event, such as a fire or storm.
• Medical Payments to Others: Helps cover medical expenses if a guest is injured in your rental home.

Why Choose GRIT Insurance for Renters Insurance?

As a trusted independent insurance agency, GRIT Insurance is committed to providing you with personalized service and affordable coverage. Here’s why renters trust us:

• Access to Multiple Carriers: We work with top-rated insurance providers to find the best renters insurance at a competitive rate.
• Customizable Policies: We tailor your coverage to meet your unique needs, so you never pay for more than you need.
• Dedicated Support: From getting a quote to filing a claim, we’re here to help every step of the way.

Do You Need Renters Insurance?

Many renters mistakenly assume their landlord’s insurance covers their belongings—it doesn’t. Renters insurance is an affordable way to protect yourself from unexpected financial losses. Here are a few situations where renters insurance can be essential:

• Theft or Vandalism: If your belongings are stolen or damaged, renters insurance can help replace them.
• Fire or Storm Damage: Renters insurance helps cover your personal property and additional living expenses if your rental is damaged.
• Accidental Damage to Others: If you accidentally cause damage to someone else’s property or injury to a guest, liability coverage can protect you financially.

Frequently Asked Questions About Renters Insurance

Is renters insurance required?
While not legally required, many landlords require tenants to have renters insurance. Even if it’s not mandated, it’s a smart way to protect yourself and your belongings.

How much does renters insurance cost?
Renters insurance is surprisingly affordable, with policies often costing as little as $10-$20 per month. Rates depend on factors like your location, coverage limits, and deductibles.

Does renters insurance cover roommates?
Most policies only cover the named insured. If you have roommates, they’ll need their own renters insurance policies.

What happens if I need to file a claim?
Filing a claim is easy. GRIT Insurance will guide you through the process and work with your insurance provider to ensure you’re compensated quickly and fairly.