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Assurant Renters Insurance

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Life comes with a lot of stuff—renters insurance from Assurant can help you protect it.

What would you do if you had to buy your belongings all over again? From the knives, forks and bottle-openers to the extra keys in your kitchen drawers and on to your trusty couch, chairs and bookcases – not to mention the books and personal treasures, the cost quickly adds up.

Renters Insurance helps make sure that, if something happens, you’re not left with an empty wallet. Whether someone steals your laptop out of your car or your things are damaged in an incident typically covered by Renters Insurance, you’ll have the support you need.

Just take a look at what your risks may be with the interactive graphic:

Interactive Graphic
  1. Step 1Click hotspots.
  2. Step 2Discover risks.
  3. Step 3Get coverage.
Personal Property
Risk Factor

Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.


Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.

Limits and Exclusions
Risk Factor

Some types of personal property are subject to limits of coverage under renters insurance policies. These limits vary by the type of property and by what caused the loss or damage. For example, jewelry, bicycles, collectible cards, and coins may have limited coverage or may not be covered.


Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.

Additional Living Expense
Risk Factor

If the building you live in has a loss from a covered peril under your renters insurance policy that makes your apartment or home uninhabitable, you will need to find somewhere else to live while the repairs are undertaken. This can be expensive and inconvenient.


Be sure your insurance policy includes additional living expense coverage. If you need to move out and rent another location, this coverage provides for the increase in living expenses–such as moving costs, increased food costs, and other expenses.

Risk Factor

You are responsible if you or a guest in your unit trips and falls or sustains an injury while on your property.


Be sure that you have adequate liability insurance to protect for claims made against you for bodily injury or property damage – such as a slip and fall or other allegation. Liability coverage also provides protection should you become legally liable for unintentional bodily injury or property damage anywhere in the world.

Medical Expenses
Risk Factor

You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.


Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.

Risk Factor

You may not be able to rent the apartment or home if your landlord or property manager requires renters insurance and you do not have it.


Having a renters insurance policy allows you to provide a certificate of insurance to the landlord or property manager showing that you have the coverage required to rent the apartment or home.

Improvements or Betterments
Risk Factor

Any improvements or betterments that you have made to your unit are subject to damage.


Be sure to obtain coverage for improvements or betterments that you have installed in your apartment or home.

Contents Away from Home
Risk Factor

You may take your valuable property outside of your unit. For example, what happens if your laptop or golf clubs get damaged or stolen while traveling?


Be sure to add off premises theft coverage to your policy to cover your personal property while your belongings are away from your home. Auto insurance does not usually cover personal property stolen from your car.

Premises Liability
Risk Factor

You may be responsible for damage to your apartment or dwelling should you, for example, have a leaking sink or accidentally start a fire.


Be sure your policy has liability coverage that includes tenants legal liability or premises liability. Your landlord may require that you to have this type of insurance protection in place as a requirement before renting the property to you.

  • No Credit Checks/No Lengthy Questions
  • No Extra Steps to Get Coverage
  • Customer Support from Real Humans
  • Proof of Insurance Sent Right to You
  • Covers Your Personal Property
  • Provides Funds to Assist You When Forced to Live Elsewhere Due To a Covered Event
  • Provides $100,000 of Personal liability

With Assurant, you’re already approved no matter your credit score or claims history. Whether you rent a home or a studio apartment, you can’t afford to not have renters insurance. So, grab a quick, free quote and see how easy it is to protect your belongings and your home.

Click here to get a quote.


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Contact Huggins Dreckman Insurance Agency Inc

 562-594-6541 office
 800-400-3224 toll-free
 562-594-0376 fax

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  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

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