Renters Insurance in NJ, NY, CT, PA, and Other States

You may not own your rental property, but it’s still your home. Landlord insurance doesn’t cover your personal property or liability, which is why it’s important to protect your home with renters insurance. Muller Insurance offers affordable protection to renters in numerous states, including New Jersey, New York, Connecticut, Pennsylvania, and more. Policies can be tailored to your needs, providing comfort and peace of mind at prices you can afford.

What Does Renters Insurance Cover?

In case of a storm, fire, or theft, your renters policy protects your belongings. This includes electronics, furniture, clothing, and any appliances you own. It’ll also help you pay living expenses if the damage forces you to move elsewhere while repairs to your home are completed.

Renters insurance doesn’t stop with property. It also protects people. When a guest falls down the stairs, slips on a spill, or is bitten by a pet while visiting your home, for example, they can hold you legally responsible for the injury. Luckily, renters liability coverage pays for the medical costs while backing you up on lawsuit expenses.

Additional Coverage Options for Renters

Many renters don’t need any more protection than the standard policy. Depending on your circumstances, though, you may benefit from purchasing additional policies. Muller Insurance offers the following options:

  • Flood insurance: If your apartment is near a body of water, consider investing in flood insurance to protect yourself in case of a disaster. This type of coverage is not included in a primary renters insurance policy.
  • Earthquake coverage: Most standard property policies don’t protect against earthquakes. If you live in an earthquake-prone region, you may want to consider additional coverage.
  • Jewelry, fine arts, and collectibles: While your renters insurance covers belongings, it may not be enough to protect your most valuable items. An additional policy will cover jewelry, art, antiques, fine wine, collections, and other high-end items kept in your rental unit.
  • Umbrella insurance: If you’re worried about lawsuits beyond what your policy can cover, consider umbrella insurance, which extends the limits of your liability coverage.
Coverage Description
Flood insurance If your apartment is near a body of water, consider investing in flood insurance to protect yourself in case of a disaster. This type of coverage is not included in a primary renters insurance policy.
Earthquake coverage Most standard property policies don’t protect against earthquakes. If you live in an earthquake-prone region, you may want to consider additional coverage.
Jewelry, fine arts, and collectibles While your renters insurance covers belongings, it may not be enough to protect your most valuable items. An additional policy will cover jewelry, art, antiques, fine wine, collections, and other high-end items kept in your rental unit.
Umbrella insurance If you’re worried about lawsuits beyond what your policy can cover, consider umbrella insurance, which extends the limits of your liability coverage.

We’ll Find the Right Policy for You

As an independent agency, Muller Insurance has the power to work with countless insurance providers to give our clients a broad range of plans to choose from. Chubb Insurance, Plymouth Rock Insurance, Travelers Insurance, and The Andover Companies rank as our premier insurance partners. We’re also proud to offer policies from the following:

  • Franklin Insurance Agency
  • Farmers Insurance
  • Great Northern Insurance Company
  • Merrimack Insurance & Retirement Planning Services
  • Bay State Insurance Company
  • Progressive
  • Cumberland Mutual
  • Fidelity National Financial

Choose Muller Insurance for Renters Coverage

Your home and belongings are important to you, so protect them with a renters insurance policy from Muller Insurance. We serve New Jersey, New York, Connecticut, Pennsylvania, and other states with high-quality, affordable, personalized policies that are hand-selected to meet your exact needs and budget. To learn more, contact us today or request a quote online and begin exploring your options for rental property protection.

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Additional Resources

A Guide to Renters Insurance in NYC
High-rise Residents Unique Fire Precaution Concerns
Affordable Insurance for Renters
Renters Inside Coverage and Definitions

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