Renters Insurance NJ
Serving Central New Jersey
Did you know that home renters insurance is one of the most overlooked and inexpensive forms of insurance offered today, often costing as little as 20 cents per day? And with multi-policy discounts, it may be even less! You may be thinking, why do I need renters insurance? While you are somewhat covered because your landlord has insurance to protect the physical building, that insurance does not protect your personal belongings.
Why do I need New Jersey renters insurance?
What you need to know about renters insurance
Renters insurance coverage options
Additional coverage options
Renters insurance discounts & savings
At Sharer & Associates, we provide quality, affordable insurance to the residents of Millstone Township, Monroe Township, Manalapan, Freehold, East Windsor, Hightstown, Jackson, Hamilton, West Windsor, Princeton, and all of Central NJ.
Why do I need New Jersey renters insurance?
If you don’t have renters insurance, you risk everything own. Sure, you’re covered by your landlord’s insurance to some extent, but that only covers the physical building. What if your possessions are stolen or damaged? What if you need money for the expense of living somewhere else while your home is getting repaired? What if someone injures themselves while visiting you and they decide to sue you? Your landlord’s policy won’t cover you, but renters insurance can.
What you need to know about renters insurance:
To determine whether you need home renters insurance (also called tenant insurance), ask yourself a few questions:
- How much would it cost to replace my belongings if they were damaged or stolen? Can I afford to replace them?
- What kind of protection do I have against liability?
- Who will cover my guest’s medical expenses if they are accidentally injured in my home?
- Who covers the loss of property belonging to others?
Call Sharer & Associates at 609-632-0487 today to find out the answers to these questions and more, or submit a free renters insurance quote request on our site!
<< back to top
Renters insurance coverage options:
Please let Sharer & Associates help you protect your personal property by finding what level of coverage is right for you:
- Personal Property Protection: Fire and water damage have a knack for destroying furniture and personal items. This can cover the loss and damage of your things.
- Family Liability Protection: In the event that you or anyone in your household is accused of accidentally causing injury or damage to property, this can provide legal representation and protection against judgments.
- Guest Medical Protection: Your pesky cat or dog can trip a house guest at any moment. This can cover visitors injured in your home.
- Additional Living Expenses: If your home needs repair, this can reimburse you the cost of temporary housing during reconstruction.
. << back to top
Additional coverage options:
- Replacement Coverage: Think of all the personal items you can’t live without. With this option, you can receive full purchase price of lost items.
- High Value Item Coverage: Your jewelry, your shoe collection, your stereo system. This option can protect your high-value items.
<< back to top
Renters insurance discounts & savings:
- Multi-Line (Renters + Auto): Save up to 5 percent on your policies depending on your policy coverages -- Sometimes this discount actually pays for the policy!
- Protective Devices: Burglar alarms, vaults and smoke detectors can help you save big!
Call Sharer and Associates at 609-632-0487 today for more information, or simply submit a free quote request on our website.
<< back to top
|
