While you may not own the apartment, condo, or house you rent near Modesto, CA, you are going to want to make sure you and your belongings are covered in an unexpected event like a fire or an accident. A landlord's insurance policy may cover the property, but this does not include your personal belongings. This is where Tsm Insurance can help with a customized renters insurance policy. Renters insurance keeps your personal items protected from fire, theft, and other types of damages that could occur. A renters insurance policy is also there in the event someone gets hurt on your rental property. Let us help you create a renters insurance quote that makes sense for your specific needs.
Tsm Insurance is here to answer any questions you may have, including how much renters insurance you might need. Our goal is to make sure you have complete coverage in the event of the unexpected.
There are several different coverages that go into a renters insurance policy. Before you request a quote for your rental property, you should look into how much coverage is required on your end. Here are some basic coverages and types of insurance that are available to you:
Renters content coverage
Keep your electronics, furniture, clothing, and other items protected from covered losses.
Loss of use coverage
In the event you can no longer live in your rental property following a covered loss, this policy provides reimbursement for any additional living expenses you may have.
Personal liability coverage
If someone suffers an injury while visiting your rental property, this coverage helps pay for covered damage or bodily injury.
Medical payment coverage
If a visitor has medical bills because of an injury suffered in your rental property, this coverage may help pay for medical or funeral expenses.
Building additions and alteration coverage
For those looking to improve their rental property, this ensures you are protected from covered damages to additions, alterations, fixtures, or installations.
Credit card coverage
Not only could the physical property in your home be covered with renters insurance, but this coverage pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card. This also includes forged checks and counterfeit money.
In addition to what is included in a basic renters insurance policy, you'll also have the following options for coverage:
For any high-value items in your rental property like jewelry, watches, or antiques can be included in your coverage.
Water backup coverage
If water backs up from sewers or drains, this optional coverage protects you against loss from this type of damage.
Theft extension coverage
Extra protection could be provided to include personal belongings that are stored in or on a motor vehicle, trailer, or watercraft. For example, if your car is broken into at your rental, this type of coverage will help make sure your property is protected in the event it is stolen.
In the event of a natural disaster like an earthquake or a fire, we will pay up to your selected limits for covered losses to your property.
While you're protecting yourself with renters insurance, you might as well protect your vehicle too. With Nationwide, you can save when you bundle your car and renters insurance with a special multi-policy discount. With your insurance policies combined, you'll also benefit from:
Now that you know what you need to know about renters insurance, learn how Nationwide and Tsm Insurance can help protect you and your belongings in a way that suits your needs
To get a renters insurance policy with Tsm Insurance, you can visit our renters insurance quoting tool or call our office at Phone Number. If you prefer an in-person appointment with an agent, you can stop by our office located at 1317 Oakdale Rd in Modesto, CA.
The cost of renters insurance depends on the type of coverage and deductible you select with your coverage. Other factors could also affect the cost like where you're renting, the condition of your rental, and the value of your possessions within the property you are renting.
Renters insurance isn't required, but it's important to know that your landlord's insurance policy does not include your personal belongings, nor would they be responsible for a visitor getting injured in your rental. To protect both your personal property and you from liability, it might be a good idea to get renters insurance.
Renters insurance from Tsm Insurance offers coverage that includes covering your belongings, personal liability, medical liability and loss of use. It does not cover property damage to your building and water damage caused by flooding. Damage from earthquakes could be covered through one of our optional coverages.
In order to get a quote for renters insurance, you'll need to provide basic information like your address, birth date, email address, condition of your building, value or your possessions and a few other items. Tsm Insurance will assist you in determining the information that is necessary for you to get quoted for a renters insurance policy.
Tsm Insurance and Nationwide will supply you with a free renters insurance quote. We have a quick-and-easy online quoting process where renters can find out what their potential rate could be in just a few minutes. Visit our renters insurance quoting tool to get started on a quote today.