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FJP Insurance Agency Inc.

Renters Insurance

While there is increased attention for homeowners to buy insurance, people who rent homes need insurance, too. Yes, you may not own the property, but you have assets and could face liability claims. So, if you are a renter in Illinois, consider renters insurance from FJP Insurance Agency Inc. This insurance policy gives you almost the same protection as home insurance, minus dwelling protection.

Renters' insurance coverage options

Shopping for renters’ insurance in Illinois? Your typical renter's insurance is likely to cover the following areas:

  • Assets: Like home insurance, renters’ insurance covers the assets inside your dwelling against perils like theft, vandalism, fire, lightning, etc. Moreover, renters’ insurance isn't just restricted to the confines of your home. If your asset (like a laptop) is stolen or damaged while on the go, renters’ insurance should compensate you for the loss. So, if your expensive laptop or mobile phone is stolen from your parked car, talk to your insurer for compensation.
  • Liability protection: Has your dog bitten a passerby? Reversed your car into your neighbor's wall? Renters' insurance should cover you in both cases. The liability coverage in renters’ insurance protects you when accused of bodily injury and property damage. This means you don't have to sell your assets or use your savings when faced with liability claims.
  • Loss of use: Suppose your rented dwelling has been destroyed by a peril covered in your renter's insurance policy. Instead of paying out-of-pocket expenses when staying in a temporary structure, renters insurance covers such costs until your home becomes livable.

Most tenants think that the landlord's insurance covers them. This mistake is because the landlord's insurance covers the property, not your assets. In light of this, you should invest in renters’ insurance to protect what matters most in life.

Affordable renters’ insurance in Illinois

Are you looking for renters’ insurance? You are on the right track. All you need to do now is email or call FJP Insurance Agency Inc. for a competitive quote.

Partner Carriers

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