Renter's Insurance

Renter's insurance helps protect you and your belongings if the unexpected happens. A landlord's insurance policy covers the building, but not your personal things. If you rent an apartment, condo, house, etc., you need renter's insurance. Get a renter's insurance quote today and we'll show you how to easily and affordably protect what you care about.

A renter's insurance policy through Eastman Mutual Insurance Company provides low-cost coverage for you and your belongings for things like:

• Fire & Smoke - In addition to providing coverage for personal belongings, additional living expenses such as a hotel or dining expenses, may be covered for fire and smoke damage to the home you rent.
• Vandalism & Theft- A thief breaks into your apartment and steals your television and computer. Your personal property coverage may reimburse you to replace these items up to your policy's limits (minus deductible).
• Weather Impact - Renter's insurance can cover impacts from different weather events, including windstorms and damage caused by the weight of snow, sleet, and ice.
• Water Damage - If water damage is sudden and accidental (and not due to flooding), renter's insurance could help cover your possessions.
• Visitor Injuries - Personal liability coverage could help with medical expenses to others caused by you or members of your household, including pets. It could also help with legal expenses in the case of a lawsuit.

Renter's insurance is very affordable, especially for people renting their first apartment. Consider what deductible you should have. Higher deductibles can lower your cost. However, you should also think about how much you're willing to pay in case of a claim.

It's a good idea to take an inventory at least once a year and make sure you have enough coverage to replace the items and lifestyle you have worked hard to create.

This is the amount of time the insurance policy is in effect. Make sure you understand when the policy begins and ends. In general, a policy period is 1 year.

What is additional coverage for disasters? Depending upon where you live, you may want to look into extra coverage for natural disasters such as flood, earthquake, or wind and hail. Not all renter's policies include coverage for these losses; ask a Tallahassee Mutual Insurance Company agent for more information.