At HIA Insurance, we work with you to ensure that you choose the insurance companies and products that are right for you.
Many renters are under the misconception that they do not need insurance because they do not own the property they live in and the landlord provides that coverage.
This is simply WRONG!
Insurance policies carried by a landlord are for their protection and offer little to no coverage for a tenant and the tenants personal property.
HIA Insurance is an Independent Insurance Agency representing multiple companies, which allows us to do the shopping for you and to find the best renters policy available.
A Renters policy typically provides coverage for:
- Personal Property- your possessions are usually purchased over time and it is easy to lose track of the value of your possessions. (Think of cloths, furniture, dishes, utensils, CD’s, DVD’s, electronics etc…) Most renters own tens of thousands of dollars worth of personal property
- Additional living expense- should you ever be forced out of your home due to a covered loss
- Liability insurance including defense cost- if you should ever be accused of or accidentally injuring other people or their property.
- Medical payments coverage- coverage for people that do not reside at the residence
It is also important to note that most Renters policies will limit coverage for things like Jewelry, Furs, Gold, Silver, Guns, Money, Stamps, Fine Art, Antiques, etc… However, coverage can be added by scheduling those items onto your policy.
If any of this has raised questions about your current coverage, give us a call today for a professional review of your insurance.
(HIA Insurance is licensed to do business in Indiana and Illinois. We are also licensed in the states of Florida and Michigan, and offer products and services in those states on a limited basis. This Web Site is not a solicitation for business in states for which we are not licensed.)