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Renters Insurance

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You can have affordable coverage for all your belongings.

Renters insurance is for people who are renting a property. The insurance covers properties such as condominiums, mobile homes, apartments, town homes and the like. Anyone who is renting a property can qualify for a policy to protect his or her belongings. The policy provides funds so that the renter can repurchase items that he or she loses in one of the qualifying circumstances. The price for renters insurance is very affordable for anyone who wants to invest in it. It is a policy that is recommended for peace of mind. Renter’s coverage is an affordable solution to problems that often occur during the time someone rents an apartment.

The renter’s policy covers the insured party’s belongings in situations such as theft, fire, smoke damages and water damages. However, the policy may not cover damage from an actual flood. The insured person would need to purchase a separate policy to receive coverage for flood damages.

The process of collecting the benefit is quite simple. If anything happens to the property, the insured person files a claim and provides proof of the loss. The investigator may need to see a police report in a situation in which the person claims theft. The insurance company then conducts an investigation. An insured person may have to pay a deductible before the insurance company will cover any of the costs. The deductible varies between companies, and it depends on the arrangement the insured party makes with the agent.

Another factor that the insured person needs to stay aware of is the limits. The insurance company may place limits on the amount that it will pay for an item’s replacement. For example, it might have a $500 or $1,000 limit on a computer or a piece of jewelry. Also, the insurance company may offer two types of coverage. One type of coverage provides the insured person with enough money to purchase a brand new item. The other type of insurance provides the consumer with enough money to purchase the item at its cash value minus the cost of the depreciation.

Great service and always available!
Allison Clayton
Already did this. But won't hesitate again to let others know this is a top notch company and I'm so blessed to have them working w me!
Peggy Whalen
Jim Graham is extremely knowledgeable, attentive and kind. He took so much care and time to find the right cocktail of insurance for my business's specific needs!
Autumn Stankay
I highly recommend Graham Insurance group. Great customer service, friendly people, and always is looking at your best interest.
Dominic DiDonne (Dom & Nikki)
Locked my keys in my car on a Sunday and called the roadside assistance and had my car unlocked within the hour. Very easy and quick the guy also asked if I was OK and in a safe location.
Nicholas Prettiman
My father was with Graham Insurance and when I needed insurance I went to them as well. They have always been professional and helpful. Even though I rarely called them they know who I am as soon as I told them my name. I highly recommend them for all your insurance needs.
I have been with nationwide for years, they have always been friendly, helpful and professional. I have always been able to count on them for my auto and home insurance.
Laura Wilkinson
We have been with Graham Insurance for decades. Always a no-hassle experience and very competitive rates. A huge thanks to Ronni who helped us recognize our new coverage needs and completed the process seamlessly.
Kimberly Bringe