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Renters Insurance

The average Renters Insurance claim related to property damage is $18,351. Are you prepared for the unexpected to happen? Renters Insurance is very affordable, ranging from only $15-$30 a month, depending on the amount of coverage.

A Renters Insurance policy gives you the peace of mind that you and your property are fully protected in the event of a disaster. A Renters Insurance policy protects a tenants personal property, including:

  • Furniture
  • Televisions other electronics
  • Clothing
  • Jewelry
  • Computers & other technology

Types of Rental Insurance Coverage

Personal Property Protection

Your landlord’s insurance generally only covers the building where you live – not your personal belongings and your liability. If there were a fire or weather related damage your landlord’s insurance will take care of the structural damage but not cover the costs to replace your furniture, clothing or other possessions. Many renters underestimate the value of their possessions and would be surprised by how much it would cost to replace the items they have accumulated. That’s when Renters Insurance comes into effect.

 

Liability Protection

If someone is injured in your apartment or a bathtub overflows into the apartment below, any costs associated with those incidents would be covered by your Renters Insurance policy. Renters Insurance can protect you from these situations and help cover unexpected costs. Additionally, it should be noted that this policy can also offer protection against liable and slander (especially related to social media).

 

Loss Of Use Coverage

Renters insurance also helps cover the costs of finding another residence if you are unable to occupy your apartment or rental home because of damage or major repair due to a covered loss.

McLean Insurance works with their clients to create custom policies that meet their needs and lifestyle.

Why Choose McLean Insurance
For Your Renters Insurance?

Our Customers Love Us

It was time for my rental insurance policy to be renewed so I had a telephone meeting with Maggie May at McLean Insurance to review my needs. She was a consummate professional and contacted me at the appointed time. She skillfully answered my questions, gave me excellent advice and was... Show All

It was time for my rental insurance policy to be renewed so I had a telephone meeting with Maggie May at McLean Insurance to review my needs. She was a consummate professional and contacted me at the appointed time. She skillfully answered my questions, gave me excellent advice and was a pleasure to deal with. She immediately followed up on two matters I raised and gave me a detailed E-mail answer the same day of our telephone conversation. I felt I received superb service and that Ms. May was clearly an excellent representative of McLean Insurance. I definitely would recommend McLean Insurance to all of my friends and colleagues. Many thanks to Maggie May for providing me with such superb service.

James Paulsen
Customer

On Friday July 22 at 10:45am I called requesting if the agency offered renters insurance. My daughter is required to have the insurance and proof of the insurance before she is able to move in. As with many other things in her life, she left it to nearly the last... Show All

On Friday July 22 at 10:45am I called requesting if the agency offered renters insurance. My daughter is required to have the insurance and proof of the insurance before she is able to move in. As with many other things in her life, she left it to nearly the last moment. When I called, I was connected with Debbie who listened to my needs and after reviewing our policy offered the perfect addition to our current policy. Within an hour of my initial contact I had an email confirming the coverage as well as the documented proof of the coverage my daughter can take on check in day. Debbie was helpful, knowledgeable, professional and efficient in helping us gain the coverage we needed in a short period of time. She was wonderful.

Janet Evans
Aug 23, 2016

Now I Know - I never really understood the reason or benefit for working with any insurance "broker" or insurance agency. That is until I met PJ Baker. In the past, I just shopped around on my own. But PJ helped us find home owner's insurance when we sold one... Show All

Now I Know - I never really understood the reason or benefit for working with any insurance "broker" or insurance agency. That is until I met PJ Baker. In the past, I just shopped around on my own. But PJ helped us find home owner's insurance when we sold one house and bought our new house, when we were too stressed, rushed and harried to deal with one more piece of paper. She is always very responsive and efficient! Recently, we needed insurance for our boat and she took care of this for us and even immediately sent us an email with the documentation that we needed to register the boat. Very efficient and timely! Thank you PJ.

Geraldine A.
May 5, 2015

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Insurance Carriers We Represent

FAQ

Is my bicycle covered by Renters Insurance?

Your bicycle and other recreational or sports equipment are covered, subject to your deductible. There are also special policies you can buy for very expensive sports equipment.

Is my car covered by Renters Insurance?

Vehicles aren’t covered by renters insurance. You need to get a separate automobile insurance policy to drive legally and protect your passengers, car, van or motorcycle.

As a student, am I covered by my parents insurance?

If you’re a college student living in a dorm and are still part of your parents’ household, their homeowners or renters insurance provides coverage. If you live off campus, you’ll probably need your own renters policy.

Can I purchase a rental policy with my roommate or domestic partner?

Regulations differ from state to state, and policies might also differ from company to company. Find out what regulations apply where you live. Some insurance companies allow unmarried couples that have been living together to buy joint coverage. But a domestic partner is usually not automatically insured, like a husband or wife, under the partner’s policy. He or she must be specifically named and added.

What happens if something I have rented or borrowed is stolen?

Items “in your possession” are covered under a standard renters policy, whether they are things that you have bought, received as a gift or borrowed.

Is my property covered away from home?

Yes, most renters polices include what is called Off-premises coverage. This means that belongings that are outside of your home are also covered against the same disasters listed in your policy. For example, property stolen from your car would be covered. However, there are generally dollar limits on the amount you can be reimbursed.

Are my valuables covered by my renters insurance policy?

In general, most renters insurance policies cover a maximum amount of about $1,500 for jewelry or other expensive items that are destroyed or lost to fire, windstorms, theft or other perils that are covered under your policy. If your valuables are worth more than that, you should consider purchasing a “personal article floater” and schedule your valuables to assure full coverage.

How can I protect my house or apartment against a flood or earthquake?

Renters insurance does not cover flood or earthquake. Flood Insurance can be purchased from the same Agent that sold you your renters policy. Earthquake coverage can be obtained through a separate policy or an addition to your renters policy.

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