Renters Insurance Near Me
Belongings Hold Your Precious Memories So Make Sure They’re Safe.
If you rent an apartment, house, condo, or even a dorm room, you may not think you need renters insurance. But in the event of a fire, theft, or vandalism that damages your personal property or causes a property loss to the dwelling, it’s unlikely that your landlord will pay to replace your belongings and will want to be compensated for the loss to his property.
At Mountain Insurance, we know that you’ve likely invested a lot of time and money in your personal property, and it’s up to you to take care of it. Having a Renters Insurance, or an apartment renters insurance policy can pay for the cost of replacing your belongings if they are damaged due to a covered cause of loss, an accident, or if they’re stolen.
Depending on your insurance policy, your insurance company will pay to replace items using one of two methods: Actual Cash Value (ACV) or Replacement Cost. With ACV coverage, your belongings are insured only for the amount in which they are currently worth, while Replacement Cost will pay for the expense of replacing the items with brand new ones.
Renters Insurance Colorado Springs
Included in your Renters Insurance policy is Liability Coverage to safeguard you from injury claims that occur in your home. If someone gets hurt on your property, your renters insurance policy can pay the related medical payments and expenses, and provide for the cost of legal support if you are sued.
In the event that a fire or other damage makes your residence uninhabitable and places you in a “loss of use” situation, your Renters Insurance may temporarily reimburse you for the cost of another residence in which to live.
You may be unsure of how to get a renters insurance policy so contact our insurance agent at Mountain Insurance we have offices in Colorado Springs and Montrose, CO for your convenience. You can reach us by phone at (970) 901-0062 or email Chris@dcimountain.com We are committed to working with you to put together a renters insurance policy that ensures you get the right coverage options you want at a price you can afford. We write renters insurance policies with Nationwide, Liberty Mutual or Safeco, Allstate, the Hartford, Progressive, State Auto, Metlife, Encompass and more.