Alabama Renters Insurance

We work with all of the major insurance carriers in Alabama who offer renter’s insurance to consumers. Our trained agents can help you find the most comprehensive coverage at the best possible price. In a short amount of time, you can compare policies and get quotes from many different companies. You can then choose the coverage which best suits your needs and budget.

Why It’s Important to Have Renter’s Insurance in Alabama
You need only look back on the past few years of weather-related disasters in Alabama to appreciate the importance of having renter’s insurance coverage. For a relatively small amount of money, you can protect your personal property from loss and/or damage due to fire, theft and weather-related occurrences. The average price of an annual policy in Alabama is less than $20 a month (about $218). When you consider that’s what you pay for about 2 movie tickets or 5 fast food meals, that’s a great bargain.

Many people mistakenly think that when they rent a place to live, they don’t need renter’s insurance. Often people assume that the landlord is responsible for all insurance coverage. It is true that the landlord or property owner is required to carry homeowner’s insurance on the property. But this only covers the actual structure (building) itself and the land on which it is built. The personal property which is inside the apartment or rental home is strictly the responsibility of the renter. Because of this fact, many landlords and leasing companies today require all tenants to provide proof of renter’s insurance before they can lease and move into a property.

Liability coverage should also be included in your renter’s insurance policy. Unfortunately, accidents do happen. If someone injures themselves in your home, you could be sued and found liable for damages in a court of law. Losing a lawsuit such as this could put your current income, savings, personal property, and future earnings at risk. It makes sense to protect yourself and your belongings with a comprehensive and affordable renter’s insurance policy.

Putting together a policy is not as complicated as it sounds. First, you should make a detailed inventory of everything you own. This includes all the big items such as furniture, appliances, electronics, etc. Then include the smaller items- dishes, glassware, CDs, DVDs, jewelry, carpets, and clothing. You will probably be amazed at the number of things you own. Then imagine having to replace all of these items out-of-pocket at today’s prices. That is exactly what you will be faced with if your personal property is lost or damaged due to theft, fire, or weather-related issues. Now you can begin to understand the importance of having an adequate renter’s insurance policy and the peace of mind which it brings.

Our agents are always available to help you formulate a policy which gives you outstanding coverage at a great price. You can compare policies and get quotes safely and easily online. Once you have this information, you can choose the policy which is best for you and your budget!