Protection for your belongings and your liability when you rent an apartment, house or condo in Northern Kentucky, Ohio or Indiana. Plain-English coverage from a local Florence agent.
Renters insurance (often called an HO-4 policy) is built for people who do not own the walls. Limits, deductibles and wording vary by carrier, and we will walk you through yours.
Helps pay to repair or replace your belongings after a covered loss such as fire, smoke, theft or certain water damage. Special limits often apply to jewelry, cash, firearms and collectibles, and scheduling them separately may be an option.
Helps if you are legally responsible for injuring someone or damaging their property, for example a guest who trips in your apartment, or a kitchen fire that spreads to a neighbor’s unit.
If a covered loss makes your rental unlivable, this can help with extra living costs such as a hotel and meals while repairs are made.
Limited, no-fault medical coverage for guests hurt at your place, regardless of who was at fault.
Coverage for your stuff often follows you, for example a laptop stolen from your car or luggage taken while traveling, subject to policy limits and terms.
Depending on the carrier: water backup from drains or sump pumps, replacement cost on contents, identity theft help, and scheduled valuables.
A few quick things that save headaches later.
Walk through your place with your phone and record each room, closets and drawers included. Save receipts for big purchases. It makes a claim much faster.
Look for a required liability limit and whether the landlord needs to be listed as an interested party. We can set that up when we write the policy.
Water backup and flood are two different things, and neither is automatic. If you rent a basement unit or a ground-floor apartment, ask us about both.
Line up coverage to start the day you get the keys. Moving to a new place is also a good time to update your auto policy’s garaging address.
Usually not. A landlord’s policy is generally written to protect the building and the landlord’s own liability. Your furniture, clothes and electronics, and your liability as a tenant, are typically your responsibility.
Kentucky law does not require it, but many leases and apartment communities do. If yours does, your lease may list a minimum liability amount, and some landlords ask to be listed as an interested party so they are notified if the policy ends.
Standard renters policies typically exclude flood from rising water. Flood coverage for contents can be bought separately, often through the National Flood Insurance Program, and is worth considering in lower-level units or near creeks and the Ohio River.
Actual cash value pays what your belongings were worth after depreciation. Replacement cost pays closer to what it costs to buy them new. Replacement cost usually costs a bit more, and we will show you both.
Some carriers allow it, many do not, and shared policies can make claims complicated. Separate policies for each roommate are usually cleaner. We will tell you what is available.
Many carriers let you place renters and auto policies together. How bundling affects your policies depends on the carrier, and nothing is guaranteed, but it is worth quoting both together. See our auto insurance page.
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Areas we serve: Florence · Burlington · Hebron · Union · Erlanger · Independence · Covington · Newport · Fort Thomas · Walton · Lexington
Request a quote online, or call or text our Florence office. Have your lease handy if it lists insurance requirements.
