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Renters Insurance Resources Dover DE

Don’t go without renter’s insurance. It took time to collect your valuables. An unfortunate and unexpected event could take it all away unless you were smart enough o prepare in advance with a renter’s insurance policy. Here you will find renter’s insurance tips that will help you get the best insurance coverage at just the right price. Please scroll down for information and access to the local insurance agents in Dover, DE listed below.

John Koziol Agency
(302) 234-5430
724 Yorklyn Road
Hockessin, DE
 
Health Insurance Associates
(302) 697-4100
5158 S Dupont Hwy
Dover, DE
 
Farm Financial Services Inc
(302) 734-9182
Dover, DE
 
Express Auto Insurance
(302) 730-8250
1447 S Governors Ave
Dover, DE
 
Allstate Insurance Companies
(302) 734-2100
1005 College Rd
Dover, DE
 
Joseph Coen
(302) 220-3536
2404 Belford Dr.
Wilmington , DE
 
Sterling C Keith
(302) 698-1556
185 Great Geneva Dr
Dover, DE
 
Webb Financial Services
(302) 346-3555
768 Townsend Blvd
Dover, DE
 
Geico
(302) 736-1662
1255 S State St
Dover, DE
 
L & W Insurance Agency
(302) 674-3500
1154 S Governors Ave
Dover, DE
 

Buying Renter's Insurance

By Julie Fishman

After college graduation, there are often a series of other graduations: Natty Ice to Bud Light; 1990 20” TV to 2007 42” Sony flatscreen; $150 canvas futon to $1,500 leather couch. But what happens to all of that accumulated wealth in the event of lightning or larceny

? It’s a common misconception that a landlord or condo association’s insurance will cover damage to a tenant’s goods in case of a catastrophe. Though the owner’s insurance will pay for structural building damage, it won’t protect personal property. Once you move into your place, you are personally liable for what goes on in the apartment. So how do you handle that responsibility?

The simple solution is renter’s insurance: like a condom, it’s low in cost ($150-300/yr) but high in benefits. Not only does it cover individual belongings, but it gives you a place to crash when your pad is trashed and covers liability in case of any injuries. Candles, robberies, volcanic toilets—the list of possible disasters is not only limitless, but, in the world of post-grad partying, not all that unlikely. Ultimately, $17 a month is a pretty cheap price to pay for peace of mind.

Disasters and Delinquents: What Does It Cover?

Most basic plans cover fire, lightning, theft, smoke, vandalism, and wind/hail storms. Included with some, or offered as an add-on, are damage due to floods, burst pipes, riots, aircraft and vehicles, freezing of plumbing, falling objects, explosions, volcanic eruptions, and weight of snow, ice, or sleet. If you're living in a flood-, hurricane-, or earthquake-plagued area, protection from those disasters may cost additional dinero. You should be able to tweak the plan to fit your needs, but sadly no plan will cover a drunk friend urinating in a Gucci-filled dresser drawer that he thought was the toilet (personal experience…except replace Gucci with Gap).

An Advantage in Adversity: What Does it Do?

  • Shields Your Stuff – Everything from a Dell computer to designer curtains can be covered by renter’s insurance. Pricey possessions, like grandma’s fur coat or grandpa’s Joe DiMaggio rookie card, may require an additional fee.
  • Provides a Provisional Pad – If a fire takes out the wall, you won’t have to relocate to a bench at the bus station. The policy will pay for temporary housing to a similarly priced pad or hotel, usually for up to 12 months until the repairs are made, rebuilding is completed, or a permanent abode is found.
  • Insures Injuries – When a soon-to-be-ex friend slips, breaks her pelvis and sues, renter’s insurance will help pay for medical and legal expenses. Renter’s insurance will not help find better friends.

Penny Wise: How Much Does it Cost?

Premium price depends on a number of factors, such as how much is actually insured, what area the digs are in, if any additional coverage is needed, and what insurance company is used. With no additional coverage, a plan will typically run $150-300/yrR...

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