Renters Insurance

Renters Insurance in Boise Idaho 

Did you know... If your personal items are damaged while living in an apartment or a rented house The owners insurance does not cover you. Renters Insurance is an affordable alternative to being out of pocket for damaged or stolen belongings. 

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Renters Quote! 

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If you rent a house or apartment. Don't let all your valuables be unprotected in case of an accident

Boise Renters Insurance can protect your Stuff!

Renters insurance is also referred to as the tenants policy. This type of plan offers portions of what a homeowners policy covers. It does not provide coverage though for the dwelling or structure of the property, or modifications by the tenant. 

The policy may offer liability indemnity depending on your company and the contract. We will make sure you know what you are buying when you work with our agency. Most plans will cover your personal belongings against various risks such as theft, fire, and also vandalism. There may be coverage if the unit is not livable due to an accident. The plan basically provides indemnity for your possessions along with liability coverage. You typically purchase a renters policy when you rent a house, apartment etc.

 Most apartment complexes these days require your to purchase a policy before you can lease the unit. These plans are less costly compared to a traditional home plan. The owner of the house or apartment is responsible for insuring the properties structure. 


Basics of a Renters Insurance Policy 

How renters’ insurance work?

A Renters plan really is the most practical and cost effective way to protect your valuables. We work with so many customers that are not aware if something happens to there belongings. The owner of the home or unit is not responsible to replace any damaged, lost or stolen goods. 

Liability Coverage

Apart from providing cover for the items in your apartment from various risks such as theft, vandalism, among others. They also can provide you with liability protection, which is of great benefit. This means that if someone gets hurt in your apartment, you won’t be held liable when it comes to paying for medical bills or even legal costs.

Are you understanding now how important this coverage is and how they work? Please call our office today for a no obligation quote. We can look at other policies you own and may be able to give multiple policy discounts. 

Pricing of a Policy 

How does the insurance company come up with the premium that you pay monthly? It really depends on a number of factors. Just like a traditional home policy, amount of indemnity, location, type of property etc. Big difference always to remember your policy just covers your "stuff". The landlord will have their own policy to cover the structure of the building. 

Location of the home or unit does play into the price. Being within distance of a fire department or fire hydrant can impact the premiums. If you are renting a property in the mountains or in a rural area, be prepared to pay more. What is the construction material of the home? A log cabin would definitely cost more to insure as opposed to a single family home in the city. If you live in a location where you may be subject to wild fires, just like a home you will pay more for coverage. 

If you live down south where hurricanes can be an issue. You will most likely be charged a bit more than someone in Idaho. 

What do Renters Insurance Policies truly cover

01

Your Personal Belongings

This can be defined as the actual cost of items in your apartment. Keep in mind that this will be the replacement cost of the items rather than the price you bought them. 

Also, limited production items are not covered under this policy. When in need of protecting items outside your home or apartment. You should consider acquiring a valuable personal property policy. Ask your agent how the replacement cost works in your plan. We will take the time to explain it for you here in our office. 

02

Personal Liability & Medical

This provides protection for you if you cause damage or harm that you are liable. If someone falls or is injured in your rental. Or maybe you have a pet that bites someone, there may be protection. If you are liable for damages it helps in case your are sued. 



03

Additional Living Expense

If you cannot actually live in your residence due to a covered claim. The plan may pay for you to live in a hotel or other accommodations, while repairs are competed. You may think it would never happen. What if you had a fire though. You surely would not be able to live there until it was repaired. 

04

Other Protections Included

Every carrier is unique in what they offer as a base coverage and riders. Most large companies will include the following. For an additional cost... 
  • Identity Protection
  • Other individual personal items
  • Belongings stored elsewhere, like a storage facility 
  • Food 

Common Renters Policies Questions

Q.) How much is renters insurance per month for an apartment or home? 
A.) It really depends on a number of different factors, such as how much coverage you have for property, liability and medical. But you can be looking approximately on the low end from $50 to $75 annually for a very basic policy. 

Q.) Does renters insurance cover the whole apartment? 
A.) The policy covers your belongings and personal property. The owner of the apartment or home will have their own insurance to cover the structure. 

Q.) Best renters insurance in Boise? 
A.) There are a number of great carriers that offer great coverage. We offer the best of the industry. 

Our agents and staff offer free no-obligation quotes, online, over the phone or in the office. We can also offer auto and car quotes, life, business and farm. 

If you are a renter looking to find information or what your options are for a policy, you have come to the right website. We service Boise ID of course but can help you if you live anywhere in ID, including Meridian, Eagle, Nampa, Caldwell. We know the market, are located in the valley and pride ourselves giving an independent, analysis of your needs. 

Why a good Agent Matters! 

First an agent will truly help you get the best policy. They can also advise you on which coverage's are really needed. This will for sure save you time and money in monthly premiums. 

We will take the time to asses your needs. We will offer you every available discount as well. Most of our customers after bundling their auto policy with us, actually save money. 

But, truly why you want a good agent. If you ever have a claim, we will be right by your side. Helping you navigate the claim process. And, making sure you are made whole. Per the terms of the contract.  

There is a saying, "insurance is only good when you have a claim". This is very true.

Call us today for a no obligation quote! 

If you own your home and live near a flood zone. Please visit this page on our site flood insurance Boise.
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