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Looking for renters insurance in the windy city? Here's how to get cheap renters insurance in Chicago with a reliable company. What Renters Insurance Covers Renters insurance protects your personal property. If any of your personal property is stolen, or is damaged by vandalism, fire, smoke, storms, explosions, or water damage, your insurance company will pay to replace it. Renters insurance protects your assets from liability lawsuits. If someone is injured in your home and sues you for damages, your insurance company will pay for that person's medical expenses and property damage bills. It will also pay your legal fees and court costs. Last, but not least, renters insurance covers your expenses when you have to move out of your home while it's being repaired. If your home is damaged by vandalism, fire, smoke, storms, explosions, or water damage, your insurance company will pay your hotel, motel, and restaurant bills, and any other additional living expenses you incur. How Much Renters Insurance You Should Have To figure out how much personal property coverage you need, total up everything you own - clothing, electronics, furniture, appliances, kitchen utensils, tools, etc. - and use that total as your insurance amount. To figure out how much liability insurance you need, total up all your assets - saving accounts, checking accounts, CDs, stocks, bonds, etc. - and use that total as the least amount of liability coverage you should have. What Chicago Renter Insurance Costs Renters insurance is relatively cheap, costing anywhere from $200 to $300 a year for $30,000 worth of personal property coverage and $100,000 to $250,000 worth of liability coverage. Where to Get Cheap Renters Insurance In order to get the best price on anything you have to comparison shop, and the same holds true for insurance. When it comes to shopping for renters insurance you have three choices: 1. Spend a day calling local agents. 2. Spend half a day visiting insurance company websites. 3. Spend a few minutes at an insurance comparison site where you can get rate quotes from multiple insurance companies (see link below). Visit http://www.LowerRateQuotes.com/renters-insurance.html or click on the following link to get Chicago renters insurance rate quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your questions from an insurance expert by using their online chat service. The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on getting cheap Chicago renters insurance rate quotes online.
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