Renters Insurance in and around New Richmond

Renters often raise the question: Can renters insurance help protect you? Just pause to consider what it would cost to replace your belongings, or even just one high-cost item. With a State Farm renters policy by your side, you don't have to be afraid of unexpected mishaps. But that's not all renters insurance can do for you. It extends beyond your rental space, covering personal items you've left in a storage closet, on your deck, or inside your car. Renters insurance can even cover your identity. As more of your life is online, it’s important to keep your personal information safe. That's where coverage from State Farm makes a difference. State Farm agent Frank Steward can help you add identity theft coverage with monitoring alerts and providing support.

As a commited provider of renters insurance in New Richmond, WI, State Farm helps you keep your home safe. Call State Farm agent Frank Steward today for help with all your renters insurance needs.

Your landlord's policy covers the building, not your belongings or your liability. If a fire, theft or burst pipe damages your apartment, you'd have to replace your furniture, laptop, clothes and kitchen items on your own unless you have renters insurance.

Many apartment communities in New Richmond, Hudson and River Falls now require tenants to show proof of renters insurance before move-in. A policy can usually be set up quickly, and Frank's office can send proof straight to your property manager.

Personal property helps pay to repair or replace your belongings after covered losses such as fire, smoke, theft, vandalism and certain kinds of water damage. That protection can follow your things off-site, for example a bike stolen from campus or luggage taken while you travel.

Personal liability helps if you're found responsible for injuring someone or damaging their property, such as an overflowing bathtub that leaks into the unit below. Loss of use helps with hotel stays and extra living costs if your rental can't be lived in after a covered loss.

To pick the right amount of coverage, walk through your home and roughly add up what it would cost to replace everything. Most people are surprised how quickly electronics, furniture and clothing add up.

Renters insurance is often one of the most affordable policies you can buy, and pairing it with car insurance may help you save on both. When you're ready to buy a place of your own, Frank can help you move to condo insurance or homeowners insurance.

Does renters insurance cover my roommate's things?

Usually only the people named on the policy are covered. Each roommate should have their own policy unless the insurer allows you to be listed together.

Is flood damage covered?

No. Renters policies do not cover flooding from rising water. Separate flood insurance is available if you live in a flood-prone area.

Are college students covered under their parents' policy?

Students living in a dorm may have limited coverage under a parent's homeowners policy. Students in off-campus apartments usually need their own renters policy. Call Frank to check your situation.

See all insurance options in New Richmond or call (715) 246-0909 for a renters quote today.