Renters / Tenant Insurance
“The New York Housing Association has had a strong business relationship with Haylor, Freyer & Coon for more than 60 years. They have provided insurance coverage for every Association need, even special events such as large trade shows. Their professionalism and customer service is second to none. I would highly recommend them to any not-for-profit organization.”
Protect what’s yours and guard against the unexpected
Renters / Tenant Insurance
When you don’t own your own home, a lot of things are outside of your control. The security of the things that matter to you is not one of them. At Haylor, Freyer & Coon, we know your possessions are important to you and we want to help keep them safe by offering renters insurance. We’re here to provide you with the complete coverage you need to guarantee that your personal property is protected, no matter what. You simply can’t rely on your landlord’s insurance to safeguard you from damages – but you can rely on us.
A Basic Renters Insurance Policy may include:
Personal Property Coverage – Coverage for loss or damage to your personal items up to a certain limit.
Additional Living Expenses – Provide relocation or housing assistance in the event your home is damaged and becomes uninhabitable.
Personal Liability – Protection from damages or injuries associated when you or someone in your household injures other people or property.
Reasons we recommend Supplemental Coverage
Flood Coverage – A renters policy doesn’t cover flood damage or losses.
Valuables Coverage – Coverage may be limited on the loss or damage to your valuable items.
Renters / Tenant Insurance
Frequently Asked Questions
Do I really need renters insurance?
Yes, and this coverage is highly recommended. Most parents think that their homeowner’s policy covers their dependents, however, most are unaware of the policy caps for off-premise losses. Typically, only 10% is allocated in for off-premise losses and is often not enough to fully replace the possession(s) in the claim.
Can I get renters insurance if I live with my parents?
You can get a renters insurance policy without a lease and as long as you do not own or partially own the home. While many dependents have coverage under their parent’s homeowners policy, the coverage limits are generally not enough.
Can I get renters insurance if I live in a dorm or on-campus housing?
Yes, and this coverage is highly recommended.
Does renters insurance cover water damage?
Renters insurance may cover some of the damage, though frequently not all of it. It is always advised to acquire coverage for any high-value items.
Are valuables protected with renters insurance?
Valuable items are generally only covered to a certain limit. Obtaining valuable articles coverage is highly recommended to ensure your possessions are fully covered in the event of a loss.
Related Resources & Insights
Get A Renters Policy
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Important Note: Everything listed on this page is meant as general information and the generalized policy descriptions are designed to help you understand the different coverage types. These guidelines and descriptions do not refer to any specific contract of insurance, carrier, or terms of service. They do not modify any definitions, exclusions, or any other provisions that are directly stated in any contract of insurance. We highly recommend that you speak with your insurance advisor and review your policy fully to understand your coverage.