How to Get Renters Insurance Online

Tuesday, September 04, 2007
 

Instructions

Things You’ll Need:

  • Itemized list of your belongings

Get Prepared Before You Go Online

  • Step 1:
    Make an itemized list of your belongings that estimates the approximate value of each item, detailing how much it would cost to replace each of your possessions. Document each major purchase with a photograph and sales receipt, if possible, and store both in a safe place.
  • Step 2:
    Decide whether you prefer a policy that pays the cash value of your belongings (market value) or a policy that will pay the amount required to replace your belongings.
  • Step 3:
    List the items you own that have higher values, such as jewelry, stereo equipment, artwork or musical instruments. These items may require additional renters insurance coverage.
  • Step 4:
    Discover whether you are in a region of the country that is prone to floods, hurricanes or unusual events that might require additional coverage.
  • Step 5:
    Decide how much you are willing to pay for a deductible. Do not forget that this is the amount for which you will be responsible for each claim that you file.
  • Step 6:
    Determine the amount of medical liability or personal-injury protection that you may need if someone is accidentally hurt on your rental property. The minimum-dollar amount is set by the state. However, you can increase it to a higher level if you are willing to pay a higher premium.

Get Renters Insurance Online

  • Step 1:
    Find an online insurance company by comparing quotes at Netquote.com (see Resources below).
  • Step 2:
    Compare at least three quotes from different insurance companies.
  • Step 3:
    Compare insurance companies according to their customer-service and financial-stability ratings at ConsumerReports.org (See Resources below).
  • Step 4:
    Contact your renters insurance choice through the company's website. Be prepared to offer a credit-card number or other means of payment.

Resources


Related Content
How to Get Home Renters Insurance
Home renters insurance is easy to obtain. Although you will not purchase insurance for the structure of the building, you need to cover the loss of damage to your belongings as well as accidents...
How to Get Renters Insurance
You don't expect catastrophes in your life, but you never know when someone may choose to steal your belongings. Likewise, you may suffer loss when a cooking experiment goes horribly awry and sets...
How to Get Apartment Renters Insurance
Apartment renters insurance is coverage for your belongings. This insurance is needed not only for acts that happen in your apartment, but also for the damage to your property that may come from...
How to Get a Renters Insurance Quote
It is fairly simple to get a quote for renters insurance. The insurance you purchase will be for the value of your belongings and any contingent needs. There are many insurance companies and policy...
How to Get Renters Fire Insurance
Fire insurance is a standard part of your renters insurance policy. It covers loss or damage to your belongings from fire or smoke damage. For the most part, insurance companies do not just write...