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Renters Insurance

Insurance Protection for Renters and Owners

What is Renters Insurance?

Renters insurance covers personal belongings and provides liability coverage for a property that you do not own. Renters insurance is much less expensive than homeowners insurance, for $15 per month it covers your belongings but not the structure itself. Renters insurance gives you peace of mind knowing that your contents are protected. 

What does Renters Insurance Cover?

Renters insurance covers damage to personal property including theft, vandalism, fire or lightning, windstorm or hail, and replacement costs. Policies also cover liability including bodily injury or property damage, fire damage, and medical payments/first aid expenses.

What does Coverage Look Like?

Our renters insurance policy coverage includes:

$5,000

Personal Property Coverage

$1,500

Loss of Use Coverage

$50,000

Personal Liability Coverage

$1,000

Medical Payments to Others

What does Coverage Look Like?

Our renters insurance policy coverage includes:
  • $5,000 Personal Property Coverage
  • $1,500 Loss of Use Coverage
  • $50,000 Personal Liability Coverage
  • $1,000 Medical Payments to Others
  • $500 deductible

Policy Exclusions:

  • Earthquake Movement

Other Benefits:

  • Easy Premium Payment – premium payments can be included with your monthly rental payment, ensuring simplicity and continual coverage.
  • Convenience – rental program is available through your apartment community.

Filing a Claim:

  • Notify the property manager when a loss is discovered.
  • Contact the police if the loss is due to crime including theft or vandalism. A police report must be obtained.
  • Protect your property from further loss.
  • Do not discard the damaged goods, wait for an adjuster to contact you advising when they may be discarded. A photo or video may be required.
  • To file a claim, please email us at info@habitatins.io or call 970.852.0938.
Contact us to learn more today.