Renters Insurance Quote and How to Get One

Getting a renters insurance quote isn’t difficult at all. There are many ways to get a renters insurance quote, but because you want an accurate quote, you need to go about obtaining it in the right way. The fastest way to find an accurate quote is to combine several research methods, including online quotes, telephone quotes, and a personal visit to the insurance company.

Start your search for a quote online. This will enable you to compare rates from many different companies. Make a note of the lowest rates, and then visit the websites of those companies. Look to see what is included in the renter’s insurance coverage that each company offers. Some won’t cover as much as others will.

After you’ve determined which companies offer the best deal for the best price, contact them by telephone for a more accurate quote. Online quotes are not as accurate as direct quotes from the agencies. If you have car insurance, contact the company that insures your car as well. You may be able to either get a discount on your auto insurance or on your renter’s policy by insuring both your car and your belongings through the same insurance company.

Some companies will require you to meet certain standards. For example, you may be required to have bolt locks on your door. They may determine that some items are not insurable as well. Make sure that you visit the agent, or have the agent come to your rented home to get a more accurate rate, and to ensure that you meet the requirements for coverage.

Renters insurance quotes usually are not more than $200 for one year of coverage. However, the rates vary depending on where you live. If you live in a high crime area, your rates may be higher. If your insurance company determines that you live in a fire trap, your rates will be considerably higher, if they even agree to cover you at all. You will need to speak with an agent to get the most accurate renters insurance quote.

Source : http://ezinearticles.com/?Renters-Insurance-Quote-and-How-to-Get-One&id=100460