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
  • Computers & other technology
  • Clothing
  • Jewelry

Why choose McLean Insurance for your Renters Insurance Needs?

  • Personalized Service – You will be treated as family and not a number. Plus, we are local, active in the community and have a good understanding of renters insurance needs in the local area
  • Trusted Advice – Licensed insurance agents with over 100 years of combined experience in renters insurance work closely with you to determine needs; discuss the right type of coverage for you and help ensure that you won’t end up being under or over insured.
  • Independent Focus – We work with over 50 top insurers and can help you select the best pricing, coverage, and underwriting for your needs.
  • Thorough approach – We fact-find thoroughly at the beginning of the process in order to ensure that our initial recommendations are realistic and attainable

Already have Renters Insurance but wondering if you have enough coverage or could be saving more money? Call a McLean Insurance agent to discuss your options at 703-790-5770

Types of Renters 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.

Displacement Coverage

Renters insurance also helps cover the costs of finding another residence if you are unable to occupy your apartment 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.

Request a Renters Insurance Quote

Frequently Asked Questions

Is my bicycle covered by renters insurance?

A 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.Back to Top

Is my car covered?

A 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.Back to Top

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

A 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.Back to Top

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

A 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.Back to Top

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

A 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.Back to Top

Is my property covered away from home?

A 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.Back to Top

Are my valuables covered by my renters insurance policy?

A 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.Back to Top

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

A 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.Back to Top