Personal Property
This coverage covers your belongings if they are stolen, damaged, or destroyed after a covered loss. However, expensive items like jewelry or electronics may require additional coverage if you reach the limit on your policy.
Renting a home can be a freeing experience – you pay lower costs for a great place to live, and you have more flexibility if you want to move. But if trouble comes knocking, like theft or a fire, your landlord will only be able to do so much.
A renters’ insurance policy can cover you when things turn sour. From your home to your possessions, you can feel confident that everything you own is protected if disaster strikes. Let Cross Insurance Agency find the best coverage option with a renters’ insurance policy.
Protect Yourself and House Guests with Renters Insurance in Washington
Having renters’ insurance can help you rest easy. But choosing the right insurance is hard. You want to make sure you’re getting the best coverage at the best rates, but that means calls to multiple carriers, which takes a lot of time.
Let Cross Insurance Agency handle the process for you, so we can find the perfect coverage for you, with you. Because we’re an independent agency, our licensed agents don’t work for the big carriers, meaning you find the best coverage that suits your budget.
Other insurance agencies complicate each process to get you to stay and depend on them. At Cross Insurance Agency, we give you all the information you need to make an informed decision. Plus, we’re always here to help if you need a hand with managing your policy. (We also have a client self-service portal so you can manage your information right on your phone!)
What Your Renters’ Insurance Covers
Renters’ insurance can cover a variety of things such as theft, loss of personal items, and bodily injury claims. Your renters’ insurance policy will protect you and your family members against these types of incidents.
This coverage covers your belongings if they are stolen, damaged, or destroyed after a covered loss. However, expensive items like jewelry or electronics may require additional coverage if you reach the limit on your policy.
This coverage pays for legal fees and medical bills if you’re liable for damaged property or an injured guest.
This coverage pays for living expenses if your home is unlivable due to a covered loss. This coverage lasts until you can find a new place to live or if your home is repaired.
This coverage is available as an additional option which will pay for medical expenses incurred by a visitor who is injured at your residence, regardless of fault.
Do I need renters’ insurance?
Some landlords require renters’ insurance, but many don’t. However, landlords won’t pay for your personal belongings. That means if there’s a disaster, you’ll have to replace everything that’s damaged.
Not only that, renters’ insurance can cover the damages if something happens to your neighbors and it spreads to your home.
If you’re still uncertain about getting renters insurance, check out our blog post about the benefits of renters insurance or our deep dive into landlord protection and renters insurance.
Why does my landlord require renters’ insurance?
Landlords want to limit their own liability exposure when someone is renting their property. For instance, if a renter has a dog and that dog bites someone, the landlord does not want to potentially be held liable for that dog bite claim.
How much is renters’ insurance?
As with most insurance, it depends. But sometimes, renters’ insurance could be as low as $1 per day. Coverage and pricing vary depending on the coverage amount you’re requesting.
Why should I choose Cross Insurance Agency to help me find homeowners insurance?
There are numerous options for renters’ insurance, so choosing one can be stressful. If you’re on the fence about choosing Cross, know that every day, we strive to be:
We also offer insurance options for other coverage, like flood or earthquake insurance.
For more information, check out our blog post on calling an independent insurance agent for auto or home insurance.
What does the process of getting insurance look like, and how long does it take?
The first step is getting a quote, followed shortly by a call from an agent. Then you and your agent will discuss what kind of renters’ insurance you need and how much you’re willing to spend. Afterwards, you’ll have all the information you need to purchase the right renters’ insurance for you.
What do I need to purchase renters’ insurance?
When you discuss getting renters’ insurance with your Cross Insurance agent, you’ll need to tell them some starting information regarding what type of coverage you need.
Below is a list of the information your Cross Insurance agent will need to know:
It can also help to have a list of your personal items that need to be insured so your agent knows exactly what your policy will need to cover. All in all, make sure you know the state of your home and possessions so your agent can more readily help you.
If you have questions about renters’ insurance or Cross Insurance Agency, you can contact us via a phone call, text, or email. You can also use our booking website to schedule a visit.
Or, if you need to manage your policy, you can use our client self-service portal or our mobile app. We’re here for you whenever you need!
Cross Insurance represents the top-rated insurance companies in Washington. We will compare pricing and coverage options finding you the best policy for your needs. Call us at: 888-438-6708 or click the button to the right to send us a message for your quote.
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