HOME RENTAL INSURANCE
Protection and Value — That's Renters Insurance
Get a Renter's Policy for Under a $1 a Day
A UIG renters insurance policy may provide replacement cost protection for your everyday appliances, computers, personal electronics, furniture, clothing, kitchen ware, sports equipment, and other personal property items, even when they are not located at your house or apartment. This affordable policy can protect you against losses to your property that may be worth thousands of dollars. Plus, UIG policyholders may even take advantage of special offers on home automation and monitoring systems — a smart way to save money and help monitor and control your residence.
Thinking About Protection?
Why You Need Renters Insurance
Your landlord probably has insurance, but it most likely only covers the building where you live — not your belongings or your legal liability. If your possessions are stolen during a break-in or damaged by a fire or severe windstorm, a renters insurance policy can allow you to recover their value. If someone is injured during an accident in your home and you are alleged to be legally responsible, renters insurance may help protect you in the case a liability lawsuit.
Common Myths About Renters Insurance
“Renters insurance coverage is expensive.”
UIG renters insurance is remarkably affordable. For premiums that average around $.60 per day, our policy may provide affordable basic protection for your personal property and can protect you in case of a liability lawsuit.
“The landlord’s insurance covers me.”
Your landlord’s insurance generally only covers the building where you live – not your personal belongings and your liability.
“I don’t need personal liability insurance.”
Your landlord’s policy most likely does not include liability coverage protecting you for something that happens in your rented residence. You could be held legally responsible for injury to another person or damage to another person’s property if an incident occurred within your rented residence, or elsewhere.
“I don’t own very much.”
Most people’s belongings are often worth more than they think. That’s one reason why you need renters insurance coverage.
UIG renters insurance is flexible, allowing you to select the coverages and insurance amounts that suit your needs.
What Renters Insurance Covers
Renters Insurance Covers:
Your State Farm renters insurance policy provides property coverage against a number of causes, including the following:
- Fire or Lightning
- Windstorm or Hail
- Freezing of plumbing system
- Impact by a Vehicle
Renters Insurance Doesn’t Cover:
- Bodily injury or property damage that is expected or intended by the insured
- Business pursuits
- Professional services provided or not provided
- Ownership, operation, use, or maintenance of aircraft, motor vehicles, and certain watercraft
UIG is There
UIG is the market leader for home1 insurance. With a State Farm renters insurance policy you can:
- Insure your possessions on a replacement cost basis.
- Protect yourself against liability lawsuits arising from occurrences at your residence or from your personal activities.
- Access the UIG 24/7 claims service.
- Work with one of our 10,000 agents.