Renters Insurance
Protect What’s Yours With Dependable Renters Insurance
- Protect your belongings in the unthinkable with our broad insurance coverage
- Get affordable rates for the coverage you need
- Access top providers available through our broad network
What Does Renters Insurance Cover?
Renters insurance covers more than you think. From water damage to that cooking experiment resulting in a fire, costly accidents can happen at any moment. And let’s face it, the cost of replacing our items is expensive. With renters insurance, you can protect yourself from hefty fees with property coverage, personal liability coverage, medical expenses, and loss of use coverage.
Other Surprising Coverages Included in Renters Insurance
Who said renters insurance just covered your belongings? A renters insurance policy packs a load of other coverages to help in tough situations. Other surprising coverages include:
Other People’s Items
Let’s say you borrow a friend’s jacket and it got damaged in a covered peril. Your renters insurance policy will help pay to replace the item.
Food
If there’s a power outage and the food spoils inside your refrigerator, you can file a claim with your insurance provider.
Identity / Credit Card Theft
If a thief runs off with your credit cards, your insurance policy can protect you from fraudulent spending tied to your account.
Belongings Not In Your Home
Renters insurance will cover items damaged outside your home, for example, if they were inside your car or in storage.
What Does Renters Insurance Not Cover?
Who said renters insurance just covered your belongings? A renters insurance policy packs a load of other coverages to help in tough situations. Other surprising coverages include:
Natural Disasters
You’ll need to beef up your renters insurance with additional policies if you want coverage for natural disasters like flooding and earthquakes. Renters living in high risk areas for these events should add this coverage to their policy.
Property Damage from Pests
Renters insurance will not cover damage from rodents, termites, and other vermin.
Big Ticket Items
Similar to natural disasters, you’ll need to add more coverage or an endorsement to your renters insurance for high value items like antiques, jewelry, family heirlooms, or fine artwork.
Intentional Damage
If you intentionally damage property, you will not be able to file an insurance claim to replace or repair the item.
Theft
No one wants to fall victim to a break in or burglary. While the actions of others are out of our control, you can rest easier with an insurance policy that's built for handling anything life throws your way. Whether you're weighing your options between dwelling and personal property coverage, or need help understanding your deductible and coverage limits, we're here to help. You can also stay ahead of the curve with a smart security system from ONIT. A security system can stop a burglar in their tracks before they even have the chance to get inside.
Service Line Coverage
Use service line coverage to protect your home from handling the costly expense of having damaged pipes or wiring coming onto your property. Speak to one of our licensed brokers about adding this to your policy for extra protection.
Appliances
Beef up your homeowner's insurance by adding appliances and electronic coverage to your policy. Our homes can be hectic and the unexpected can happen at any moment. We're here to make sure every inch of your personal property is covered with a flexible policy.
Fire
The National Fire Protection Association reports that every 24 seconds a fire department in the US responds to a fire emergency. We'll make sure your property has the protection it needs when you need it most with comprehensive fire insurance. Our coverage extends beyond property damage to your personal items and all facets of your property.
Local Ordinance Changes
Prepare for unexpected and expensive code changes within your city by adding local ordinance changes in your insurance policy. Speak to our team of licensed brokers to learn more about how we can protect you from having to pay out of pocket for city-mandated residential upgrades.
Computer + Electronics
In this modern day and age, our technological devices have quickly become some of our most valuable possessions. Insuring these items provides you with a safety net against theft, vandalism, data damage, and more.
Full Replacement Costs
There's no better backup plan than having full replacement costs in your policy. This ensures your family is able to finance replacing your home or belongings lost in a disaster or other unfortunate event.
Water Backup
Make sure all your bases are covered with water backup insurance. Adding this to your policy provides you with protection against hefty water damage fees.
Enhanced Rebuilding Coverage
If your home has been severely damaged or destroyed, enhanced rebuilding coverage provides you with a helping hand for financing the replacement expenses.
Wind Protection
Unpredictable weather makes it difficult to prepare and protect your home against severe weather storms. With wind protection, you can rest easy knowing that your home is covered against flying debris or other effects of damaging windstorms. You can count on us to make sure the wind protection you have covers every inch of your property. We'll make sure your policy quickly addresses home repairs after a catastrophic weather event blows through your area. That way you and your family can return to enjoying your special space.
Hail
When a vicious storm strikes, hail is most likely on your radar. Find protection against the damaging impact of these large ice chunks when you include hail coverage in your insurance policy at ONIT. We're here to answer questions you have about your deductible or coverage to make sure it meets the needs of your home. From roof replacement to auto repairs, we'll make sure you get the protection you need.