What is Renters Insurance?
Renters insurance is a low cost way to protect your personal possessions from theft and damage. In addition to protecting your personal property, a renters policy provides personal liability protection in case you’re deemed responsible for damage or injuries to another person. Even if you don’t own your home, you’ve got a lot to lose. As an independent agency, we compare the coverages and rates of several companies to find the best fit for your situation.
Renters Insurance Coverages
Personal Property Coverage: Covers your furniture, clothing, electronics, appliances, and other personal property.
Liability Coverage: Covers bodily injury and property damage to others.
Medical Payments: Covers minor medical bills for a guest that is injured on your property.
Loss of Use: Pays for additional living expenses while your residence is being repaired or rebuilt due to a loss.
Scheduled Property (Jewelry, Art, Guns, etc.): Covers valuable classes of property that may have a limit of coverage on a standard policy.
And more…
Renters insurance typically covers family members, but may not include roommates. While some providers may allow you to add someone who is not related to you onto your policy, it’s recommended they purchase a separate insurance policy. For one, a claim that is made by either party will go onto your insurance record and could hurt you down the road. The amount of coverage is another thing to consider, as it will not change automatically if you add someone to your policy. The money you are saving is usually not worth it to combine onto one policy.
Renters insurance does cover you for theft outside of your home. That means you’re protected if your laptop gets stolen from the local coffee shop, the campus cafeteria, or on the bus. This is not limited to laptops, it covers all of your personal belongings outside of your home.
That’s actually easier than it sounds, thanks to technology. There are quite a few websites and home inventory apps that help you log, price, and track the value of your possessions. You can also take an inventory via an excel spreadsheet. Remember to save receipts for big-ticket items, log serial numbers, and take photos of all the possessions you would, in theory, want to claim. We are here to help you with this process as well if you have questions or want suggestions.
Jeff Johnson Insurance Agency is an independent insurance agency, which allows us to quote a number of different companies to find you the best fit and the best price for your insurance needs. Benefits of working with us as independent agents include:
- Save time – we do the leg work for you to quote numerous options
- Offer choices – we aren’t a captive agency and limited to representing one company
- Offer Expert, Unbiased advice – we can quote numerous companies to find you the best fit and are not biased to steer you to a single company
- Save money – with so many options to quote, we can find you the best value for your money
- Forge a long term relationship – if your company loses its competitiveness over the years, we can requote you with all of our other options and keep you as a customer as your agent
Jeff Johnson Insurance Agency is affiliated with Atlas Insurance Brokers, LLC, which is based out of Rochester, Minnesota. Atlas provides services for over 100 agencies throughout Minnesota and Iowa. The affiliation gives our Agency greater flexibility and a number of options to provide you the most cost-effective and comprehensive insurance packages and provide you with the best fit for your needs.
If you have an accident or claim you can contact Jeff or Dan at Jeff Johnson Insurance Agency and they can assist you through the process or you can contact the company you are insured with using their 800 contact information on our Customer Service page.
Quick Contact
495 SE Alice’s Rd., Suite C
Waukee, Ia. 50263
515-987-6993
495 SE Alice’s Rd., Suite C
Waukee, Ia. 50263
515-987-6993
