Jorgensen Insurance Agency offers Phoenix renters insurance policies that are incredibly affordable and packed with value-added protection against losses and liabilities. Just because you don’t own the home doesn’t mean you’re unprotected or at the mercy of your landlord’s insurance company. While your landlord or building owner will carry coverage to protect the structure itself, your Phoenix renters insurance policy covers the things you own inside, as well as expenses incurred from certain legal liabilities.
Your renters insurance policy protects you in three major ways:
Coverage for your property. In the unlikely event of a total loss, how much would it cost to replace the contents of your home? Your renters insurance policy comes with a sizable standard allowance for covered personal property with the option to increase that dollar amount for a relatively small additional cost. Choose between two different types of coverage: actual cash value (the cost of the items minus depreciation) or replacement cost (the cost to replace the items). When you work with Jorgensen Insurance Agency, we present you options and pricing for each different scenario so that you can feel great about the policy that protects you.
Coverage for living expenses. A major event such as a fire or flood may displace you for days, weeks, or even months while the property is being repaired. As a renter, you have even less control over this process than as an owner. The “additional living expenses” portion of your renters insurance policy offers compensation for additional expenses you incur such as hotel stays or food if your home is uninhabitable as a result of a covered loss.
Liability coverage. Accidents happen, and when they do there are very clear and established laws about who is liable for damages. When someone is injured or harmed inside your home, the liability generally falls on the occupant. This is one of the primary reasons that landlords and rental agencies require renters insurance in Phoenix. Your renters insurance policy comes standard with liability coverage that will pay for medical bills, legal fees, and representation should you be liable for injury to another.
At Jorgensen Insurance Agency, we’ve got you covered! We’re here to grow with you throughout all the stages of life. Contact us today for a customized quote at 509-563-4413 or by filling out the contact form. We look forward to hearing from you!