Renters Insurance

Let's get you a renters insurance quote today!

  • Personal Property
  • Liablity Coverage
  • Loss of Use Coverage
  • And more...

Call us today: (224) 255-3005

We can’t wait to help you get the right insurance!

Shop for Renters Insurance the smart way.

Finding the right insurance is a real challenge. It is a smart idea to get help from experts when it comes to choosing the right insurance. You have several choices when it comes to your coverage. As an independent agency, Nova Insurance can help you shop around and compare rates and coverages from multiple reputable insurance companies until you find a policy that meets your needs and budget.

Independent agents like us work for you – not insurers. While it costs you nothing to use the services of Nova Insurance, it could save you a lot of amount of time and money.  We can also help you assess your actual coverage needs so you are better protected against loss. If you already have coverage, we can shop to see if there is a better option for your needs. Get in touch today, and let's find you the best coverage for your needs.

Top 5 FAQS

What is renters insurance?

Most states have a minimum requirement of coverage you are expected to have. You will need proof of this insurance to register a vehicle. These requirements will sometimes not be enough to cover the cost to you of an accident. If they are not, then you would be paying out of pocket any additional expenses. Because of that, you want to consider coverage that extends beyong the minum requirements. You will want to consider certain factors when determining the coverage you will need including:

  • The value of your assets
  • How often and when you drive
  • What type of car you drive
  • Who rides along with you
What is renters insurance?

Renters insurance is insurance you may be required to have if you rent your home from someone. It doesn’t cover the building. The owner will have insurance to cover that. Renters insurance covers your belongings. It also generally covers some amount of liability, in case someone injures themselves on the property you rent. 

Do I have to have renters insurance?

You will have to look a tthe terms of your lease or ask your landlord for this answer. However, renters insurance isn’t required by law. It may be required, though, by the building owner.

How much renters insurance cost?

Renters insurance does not cost that much when you compare it to other types of insurance. The cost depends on the value of the property you are insuring, as well as your credit score, and the type of plan you buy. According to the Insurance Information Institute, the  average renters insurance policy costs $300 a year.

What does renters insurance cover?

Renters insurance usually covers items that are damaged from:

  • Fire and smoke

  • Storms 

  • Explosions

  • Sanage from vehicles and aircraft

  • Theft, vandalism and riots

  • Falling objects

  • Snow, sleet or ice 

  • Damage from appliances

It may also cover liablity and the cost of temporary relocation. Again, the coverage depends on the policy.

What doesn't renters insurance cover?

Renters insurance does not cover damage from most natural disasters. This includes:  earthquakes

  • Flooding
  • Tornadoes
  • Pest damage

Also, high ticket items may have limited coverage. You can purchase additional polices for these.

Call for a quote:

(224) 255-3005

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