Renters insurance quotes are easy to find. That doesn’t mean people don’t still have questions on them, though!
How do I find renters insurance quotes? Should I get several of them? Is the coverage the same? How do I choose?
How Do I Find Renters Insurance Quotes?
You could spend hours scouring the yellow pages and working the phones. That method was viable in 1976, but it’s since fallen out of fashion. Then again, the yellow pages themselves have rather fallen out of fashion, so that’s not entirely surprising. You also could spend hours scouring the internet for quotes from anyone who might possibly write new business in your city. Even if you’re looking for Corpus Christi renters insurance, and you’re located in a hardening market, that could still take you days.
Effective Coverage is the only national full-service insurance provider dedicated to the needs of renters. That means we can get you options for several renters insurance quotes and make sure you understand what you’re getting and how it protects you. Renters insurance quotes from Effective Coverage take into account the type of coverage you need, the type of market you’re in, and years of experience working with renters.
Should I Get Several Renters Insurance Quotes?
Absolutely. Not because you need one from every carrier. some insurance companies won’t even offer a standalone renters insurance quote in most states. (Shout out to the major company represented by a certain well-known cartoon dog.). Some companies may just not be right for you as an individual, or for your particular risk profile.
What you need is renters insurance quotes from several different writing companies, and at several different levels of coverage. By doing this, you not only can compare price, but you can also look at the costs of various levels of coverage to see what the best value is for you based on your personal level of risk tolerance. Getting multiple renters insurance quotes isn’t about having one from every company ever to exist, it’s about working with experts who can get you the right amount of coverage for your needs at the right price.
Do All Renters Insurance Quotes Cover The Same Things?
No! In most areas, a renters insurance quote covers very similar things, with only small changes in the verbiage, but there are exceptions. To use our earlier example of Corpus Christi renters insurance, obviously hurricanes are a significant risk in the area. Most coastal Texas renters insurance quotes will exclude coverage for windstorms. That may not be a major concern for many people, because wind damage to the building is not the tenant’s responsibility in any way, but there are people who prefer to have windstorms included in their coverage just in case. Effective Coverage has access to a writing company that will offer wind coverage on renters insurance quotes in Corpus Christi, whereas most will not.
That’s just one example of how renters insurance quotes may vary in the coverage they provide. Some companies start personal property coverage at different levels – if you accept the defaults, you might end up with just $5,000 of personal property coverage or actual cash value coverage. That clearly is insufficient coverage for just about anyone. By working with the experts at Effective Coverage, you get renters insurance quotes that compare apples to apples, and start at a reasonable level of coverage. You also get expert assistance adjusting that coverage to meet your individual needs.
How Do I Choose Renters Insurance Quotes?
First, note the differences between the quotes, such as wind coverage of specific wording for the continuous and repeated seepage exclusion. Decide whether those differences are important to you and your personal risk tolerance. That will likely narrow down the field a bit. Then, look at the amount of coverage, the cost, the stability of the writing company, and other factor that are important to you to choose the best renters insurance quote.
You wouldn’t marry someone on the first date, why would you buy the first renters insurance quote you can find? Effective Coverage works to match you with the right policy at the right price, in the most efficient manner possible.