Renters Insurance Made Simple
Affordable protection for your belongings and liability. Because your peace of mind is worth it.
Renters insurance issued by Hoover Insurance NW
Understanding your rental protection
A typical renters policy encompasses several core coverages designed to shield you from unexpected financial burdens. It's important to note that your landlord's policy generally only covers the physical building, leaving your personal items and personal liability unprotected unless you have your own coverage.
| Coverage | Definition | Example |
|---|---|---|
| Personal property coverage | Helps pay to repair or replace your personal belongings, such as furniture, electronics, and clothing, if they are stolen or damaged. | A burglar breaks into your apartment and steals your television and laptop. Personal property coverage can help cover the cost to replace these items. |
| Liability protection | Helps protect your financial assets if you or your family members are found legally responsible for injuring someone or damaging their property. | A guest slips on your wet floor and breaks their arm. Liability coverage can help pay for their medical bills and legal fees if they sue. |
| Additional living expenses | Helps cover the extra costs of living elsewhere if your rental is temporarily uninhabitable due to a covered loss. | A fire makes your apartment unlivable while repairs are being made. This coverage can help pay for hotel bills and restaurant meals during that time. |
| Medical payments | Helps pay for medical expenses if a guest is injured in your apartment, regardless of who is at fault. | A friend trips over a rug in your living room and needs stitches. Medical payments coverage can help cover their hospital bill. |
Renters insurance discounts
Consider enrolling in discounts to rack up savings without cutting coverage. We offer numerous options, and yes, layering multiple discounts is OK.
Multi-policy discount
You could save 10% or more by bundling renters and auto policies, depending on where you live.
Protective devices
Rentals with monitored fire and burglar alarms, deadbolts, and smoke detectors can get discounts.
Claim-free discount
If you haven't filed a claim in three or more years, you could qualify for a discount on your premium.
What information do I need to get a renters quote?
Have this information at your fingertips to help make the quote process quick and easy.
Personal details
- Name and date of birth
- Current address and phone number
- Claims history for the past 5 years
Property information
- Rental address and type of building
- Safety devices (alarms, sprinklers)
- Estimated value of your personal belongings
Frequently asked questions
Getting started is easy!
Tell us what you need
Start online or call our office. It only takes a few minutes.
We compare options
Our team shops multiple carriers to find the right fit.
You choose with confidence
We explain the differences before you decide.
Ready to compare your coverage options?
Prefer to talk first?
Call 360-658-4149
