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How to Find the Best Renters Insurance

By Compuquotes Team on July 2nd, 2008

Renters Insurance

If you're renting an apartment, condo, or house instead of purchasing your own home, you need to contact an insurance representative so that your belongings are covered. Remember, your landlord's insurance on the property only covers the property itself, not your belongings. However, renters insurance varies greatly from one company to the next. How do you find the best renters insurance? Use the following tips when you're looking for the best renters insurance for you.

  • Shop online for renters insurance.

While there are both online and offline insurance companies to consider, by shopping online, you can do the work more quickly. Shopping online also gives you the advantage of doing your rate comparison when you have time, even if that's not during normal business hours. Online, you can shop for insurance even on the weekends and in the evening when traditional insurance companies have their offices close. Of course, it is probably a good idea to also shop around offline, but shopping online can give you a good start to understanding the averages prices you can expect in your neighborhood.

  • Consider your deductible carefully.

When it comes to renters insurance, you should always calculate what you'll need to have your possessions covered if, for example, the entire building would burn to the ground. For most people, having a higher deductible is fine. If you can afford to pay the first $3,000, $5,000, or even $10,000, your monthly premium will be much, much lower. At the same time, however, don't cut yourself short. If you have a very high deductible and later can't afford to put that kind of money toward replacing possessions, you might not see any kind of money from your insurance company until you do.

  • Look for a company that's friendly and helpful.

Buying renters insurance is tough. Insurance is something that many people don't 100% understand, so you'll be relying on an insurance representative to help you decide what kind of coverage is right for you. You should go with an insurance company that you representatives that are willing to help, not just drones who want to get you off the phone as quickly as possible. Some insurance companies don't even have representatives to help you until after you make a purchase - they only have web pages and automated phone services! Instead, look for a company that is friendly and helpful in answering your questions.

Remember, not every insurance company is built the same way. While you'll undoubtedly have dozens and maybe even hundreds of options for renters insurance, not all of them will be the right choice for you. In order to find the best choice possible, shop around and closely compare the services they offer. While price is important, it is also important that you find a company that fits nicely with what you need out of your insurance. Renters insurance isn't a huge expense, but it is best to give your business to a company that you trust.

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