Renters Insurance Agency
Serving Northern NJ
Fire, theft, vandalism. They can happen at any time. What if everything you owned was damaged, stolen or destroyed? Your landlord may have insurance to protect the physical building in which you live, but this insurance will not cover your personal property. Home renters insurance is one of the most overlooked and inexpensive forms of insurance, and for an average payment of 50¢ a day, New Jersey renters insurance offers excellent value!
Here are a few things you need to consider regarding renters insurance:
What You Need to Know
Coverage Options
Discounts & Savings
Call 973-635-9494 today to find out more about home renters insurance or simply submit a free renters insurance quote request through our website.
Providing quality, affordable renters insurance to the residents of Chatham, Madison, Summit, Livingston, Florham Park, Springfield, Short Hills, Morristown, Berkeley Heights, Millburn and all of Northern NJ.
What You Need to Know
Renters are in danger of losing their belongings to vandalism, water damage, fire, smoke, electrical surge, ice, snow and other perils. Despite these risks, many tenants do not have, much less even know about, home renters insurance!
Are you wondering, “Why do I need renters insurance (also known as tenants insurance)?” Ask yourself the following questions:
- How much would it cost to replace my belongings if they were damaged or stolen? Can I afford to replace them?
- What kind of protection do I have against liability?
- Who will cover my guest’s medical expenses if they are accidentally injured in my home?
- Who covers the loss of property belonging to others?
Now is the time to make sure you’re protected. Call 973-635-9494 today to discuss your answers to these questions and to find out about our different coverage options, or simply submit a free quote request through our website.
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Coverage Options
A renters/tenants policy protects your personal property the same way it would if you owned a home. John Hawk Agency works hard to find what level of coverage is right for you .
Your renters policy will include:
- Personal Property Protection – There is more than just money invested in your personal property. Imagine the pearl earrings passed down to you from your mother’s mother were lost. This protection covers the loss or damage of your valuable sentimental stuff.
- Family Liability Protection – Your family is worth protecting. This coverage provides legal representation and protection against judgments
- Guest Medical Protection – Accidents happen. If a visitor is injured at your home, this protection will cover medical costs.
- Additional Living Expenses – If a fire leaves you homeless, you’ll need somewhere to stay. This coverage will reimburse you for the costs of temporary housing during the reconstruction of your apartment or rental home.
Additional Coverage Options:
- Replacement Coverage – You can receive the full purchase price of lost items without spending a dime of your own money.
- High Value Item Coverage – Imagine your diamond wedding ring gets stolen. This coverage extends protection beyond your basic policy limits to include high value items.
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Renters Insurance Discounts & Savings
- Multi-Line (Renters + Auto) – You can save up to 5 percent on your policies depending on your policy coverages . Sometimes this discount actually pays for the policy!
- Protective Devices – Installing fire alarms, sprinkler systems and other devices can help you save big.
For more information call John Hawk Agency today or submit a free quote request through our website.
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