Welcome to our Virginia Beach, VA Renters Insurance Guide. Our mission at Effective Coverage, supported by our core values, is to educate renters on their insurance needs and support them in getting the right Virginia Renters Insurance for their needs. Surprisingly, only forty-four percent of Americans have renters insurance. This isn’t because they don’t need it, it’s because they don’t know they need it. That’s why educational outreach is part of our mission, because many American renters don’t even know that an option exists to protect them, they think that home insurance is only for homeowners. That’s why we’re working to increase the number of insured American renters to 40% of renters insured by the end of 2017, and beyond! For more information, check out our 40% challenge.
We make our coverage easy to learn, understand, and obtain. Just call Effective Coverage and purchase our affordable renters insurance, which will cover you even from most water damage. You can also go online and chat live with a Virginia Beach renters insurance expert, or even quote through our self-service portal. There are many perils that can befall a renter. Our Virginia Beach, VA renters insurance is structured to protect you from a variety of risks to ensure you feel comfortable at home.
Virginia Beach, VA Renters Insurance
What Does Virginia Beach Renters Insurance Cover?
There are several main types of coverage on your renters insurance in Virginia Beach. The first, of course, is your personal property coverage. That protects your things from fire, theft, vandalism, and many other renters insurance perils. In so doing, you’re assured that if there is a loss, you’ll be able to replace the things that were lost and get on with your life. The worst part of a major property loss isn’t the moment in time standing outside watching the fire. The worst part is trying to replace everything you own on a budget that might well already be stretched. Buying everything you’ve accumulated over the years all over again in a short period of time is exceedingly difficult for most people.
You also get liability coverage, including a no fault medical payments to others coverage. If you cause bodily injury or property damage to another person, your Virginia Beach renters insurance is there to protect you. Not only can it pay for the loss, but renters insurance also offers a defense for you in situations where there’s a question of liability, but the policy would pay for it if it turned out to be your fault.
The defense costs provision is important. If you were to bump into someone on the street and spill your coffee on them through your negligence, they’re not just going to settle out of nowhere for whatever is offered. They’ll negotiate that settlement, and perhaps even sue you. Those legal costs add up quickly. Renters insurance does more than just cover the losses, your defense is a crucial part of the policy.
Don’t forget about loss of use coverage, as well. This pays for additional living expenses such as a hotel after a covered loss. If you have a small fire, and you’ll only be out of the apartment for a few days while they repaint and clear out the smoke smell, where are you going to stay in the meantime? Hotels in a tourist town like Virginia Beach can be expensive and certainly aren’t an expense that most people plan for. Loss of use coverage protects your family and your wallet from that risk.
How Can I Get Renters Insurance In Virginia Beach?
That’s easy. Call Effective Coverage at (800)892-4308 or go online where you can chat live with a Virginia Beach renters insurance expert or use our easy and quick self-service options to bind your policy online without ever having to even talk to a real person, if that’s your preference. Effective Coverage makes the process quick and painless, whichever method you prefer.
How Much Does Virginia Beach Renters Insurance Cost?
Renters insurance in Virginia Beach runs right around the national average, which comes to about fifteen dollars a month. That’s right, you can protect everything you own, as well as your liability risk, and with some additional coverage as part of the policy package, for less than two hundred dollars a year. Fifteen dollars wouldn’t buy takeout food for you and a date, but it’s money well worth spending for the protection it can afford you.
Can My Landlord Require Renters Insurance In Virginia Beach?
Sure. Your landlord could require you to enter only through the third floor window if he wanted to. Anything that’s in the lease is binding on both of you because you signed it and agreed to it. That’s why it’s important to read your lease, especially the parts about renters insurance and if the landlord needs to be additional interest on renters insurance.
Are Power Surges Covered By Renters Insurance In Virginia Beach?
Power surges are covered, to some extent. Damage to electronics is not covered. However, if the power surge causes a fire or other loss, there could be coverage for that. The electronics, however, are on you.
Renting In Virginia Beach, VA
Virginia Beach’s population has increased by roughly 500,000 citizens since 2000. The average home goes for $259,500 and the average rent is $1,213. Considering the beautiful view of Virginia Beach, the cost of living in the area makes it an attractive place to live. Overall, Virginia Beach has warm temperatures that complement its nationally known beach and plenty of great stores to shop at.
The area is best known as a resort city with hundreds of hotels, motels, restaurants, and convenience stores along its oceanfront as well as the usual oceanfront boardwalk games and the like. Virginia Beach plays host each year to the East Coast Surfing Championships, as well as the Sand Soccer Tournament, bringing the best talent in several sports to the area. With three military bases, two universities, and a variety of large firms, the economy of Virginia Beach is booming, with plenty of jobs and opportunities.
It’s no wonder that Virginia Beach is an ideal location for both tourists and residents, with great weather and only minimal beautiful thunderstorms. Although this is great news, hurricanes can still occur in Virginia Beach. Let’s not forget Hurricane Isabel in 2003. That’s why you need to protect yourself with renters insurance in Virginia Beach.
Effective Coverage is dedicated to protecting you, and your personal property. You deserve to have the comfort of knowing your personal belongings are protected, and that’s why you need affordable renters insurance to protect you in case of a disaster. Virginia Beach is a great place to live, and you deserve the best protection at an affordable price. Effective Coverage is dedicated to bringing that to you. To find out how Effective Coverage can protect you, and how affordable it is, just call (800)892-4308 or click to get covered - whether you need Richmond renters insurance quotes online or coverage anywhere else!
Effective Coverage offers the nation's only completely mobile platform to quote and purchase renters insurance right from your phone or tablet in just one minute. Get an online renters insurance quote today and protect your family.
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