Renters Insurance protects your possessions from life’s unforeseen events like fire, smoke damage, theft, and water damage. Don’t assume your landlord’s insurance covers your personal belongings. You can rely on American Heritage Insurance Group to make sure you have proper coverage for your valuables.
Renters Insurance Coverage & Cost
Renters Insurance covers your lost or damaged possessions. Most policies also include a tenant’s liability and alternative living arrangement compensation.
Renters Insurance will cover your possessions under the following circumstances
- Fire or Smoke
- Vandalism or Theft
- Water Damage (Does not include floods.)
- Injured Parties
- Alternate Living Situations
Many people believe renters insurance is very costly but it is the exact opposite. Premiums range from $100 to $250 per year depending on your coverage amount and location. The national average cost is $15 to $30 per month.
Why You Need Renters Insurance
As an agent, we see cases where the tenants believe the landlord was responsible for protecting their apartment and personal belongings. This is not the case. Landlords typically only insure the actual building. Renters insurance is important because it covers your possessions, liability for injury, and alternate living arrangements due to fire, smoke damage, water damage or other unforeseen circumstances.
Only 40% of Renters Stated They Invested in Renter’s Insurance2015 Insurance Information Institute Poll
American Heritage Insurance Group understands the different types of coverage offered by various insurance companies. We take the time to analyze individual situations and identify the best options for each individual. We are affiliated with over 20 difference insurance companies that competitively compare and rate your insurance. American Heritage Insurance Group is located in Ohio with offices in Cincinnati, Springfield, and Milford. Stop into one of our offices or give us a call so we can offer you and your family the right coverage for the best price.
American Heritage Insurance Group is a property and casualty insurance agency located in Southwest Ohio. We have three agency office locations in Cincinnati, Milford, and Springfield. We specialize in home, auto, renters, business, and farm insurance.