|
Apartment and home renters insurance is relatively cheap, but you don't want to spend more than you have to. Here's how to get the lowest renters insurance rates with a top-rated company in 4 easy steps: Step 1 – Take an Inventory Renters insurance covers your personal property - furniture, clothing, electronics, tools, appliances, sports equipment, etc. In order to figure how much coverage you need, take an inventory of all your possessions. Add up the total value of everything you own and use that figure as your insurance amount. Be sure to keep your inventory list in a safe place so you'll have it in case you need to file claims. Renters insurance also protects you from liability lawsuits, so if someone hurts himself in your home and sues you, you're legal fees and court costs are covered. Most people purchase $300,000 worth of liability coverage, but you can purchase more or less depending on your circumstances. Step 2 – Get Quotes Renters insurance rates can vary widely from one company to the next, so you want to get quotes from different companies. The easiest way to get quotes is to go to an insurance comparison website where you can get quotes from a number of A-rated companies in a matter of minutes, all in the comfort of your home. All you have to do is fill out a simple online questionnaire, wait for your quotes, then choose the best one. The best comparison sites have an online chat feature that allows you to get unbiased answers to any question you may have from an insurance expert. Step 3 – Get a High Deductible To further save money on your insurance, set your deductible as high as you can afford. Deductibles typically start at $250. If you raise it to $500 you can save up to 15% on your premium. Raise it to $1,000 and you can save 20 to 25%. Step 4 – Get Discounts Insurance companies don't always tell you about all the discounts they have available, so you need to ask your agent to tell you about the ones that apply to you and include them in your policy. Doing that could save you another 10 to 15%. Some common discounts include ... * Credit rating discounts for having a good credit rating * Multi-policy discounts when you buy your renters and car insurance through the same company * Safety and security discounts for having a fire extinguisher, smoke detectors, window locks, and dead-bolt door locks * Non smoker's discounts if no one living in your residence smokes * Senior discounts if your at least 55 years old and retired Where to Get the Lowest Renters Insurance Rates Visit http://www.LowerRateQuotes.com/renters-insurance.html or click on the following link to compare the lowest renters insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice 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 how to get the lowest renters insurance rates.
Related Articles -
lowest renters insurance rates, apartment, liability, company, companies, quotes, coverage, policy, property, claims, buy, online, compare, best,
| 
