Call Us 617.474.9900 ☰ ˟
Logo
(617) 474-9900
22 Boston Wharf Rd.
South Boston, MA 02210
  • Home
  • Get A Quote
    • AutomobileImage of right arrow
      • Auto Insurance Quote
      • Mexico Travel Insurance Quote
      • Auto Quote Form (short)
      • Get Instant Auto Insurance Quote Now Click here
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Builders Risk
      • Liquor Liability Quote Form
      • Workers Compensation Quote
      • REQUEST A QUOTE FOR MASTER CONDO INSURANCE AND OR APARTMENT BUILDING INFORMATION:
    • Condominium
    • Construction
    • Dental
    • Earthquake
    • Employee Benefits
    • Group Health
    • HealthImage of right arrow
      • Health Insurance Quote
      • Long Term Care Insurance Quote
      • Affordable Health Insurance
    • Homeowners
    • LifeImage of right arrow
      • Life Insurance Quote
      • Term Life Insurance Quote
    • Motorcycle
    • Pet InsuranceImage of right arrow
      • Pet Insurance Quote
      • Pet Insurance Quote
    • Renters
    • Restaurant
    • Travel
    • Vision
    • Watercraft & Boat
    • Windstorm
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Send Declaration and Coverages Information to Lien Holder
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
    • Business & CommercialImage of right arrow
      • Remove Driver from Existing Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Other
  • Claims
    • Automobile
    • Business & Commercial
    • Earthquake
    • Homeowners
    • Motorcycle
    • Renters
    • Watercraft & Boat
    • Windstorm
  • Blog
  • Make a Payment
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Calculators
    • Free Reports
    • Insurance Glossary
  • About Us
    • About Savin Jones Insurance Agency
    • Location Map
    • Partners
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Home > Blog > Massachusetts Renter's Insurance
TUESDAY, FEBRUARY 11, 2014

Massachusetts Renter's Insurance







Renter's insurance, commonly referred to simply as rental H04 insurance, is an insurance policy that covers tenants from loss of personal property. It does not cover the actual house or apartment that is being rented; that property is covered by the landlord’s insurance policy. It is a comparatively inexpensive policy that provides beneficial coverage and security in times of crisis. Once the value of personal property, such as clothes, electronics, televisions, jewelry, computers and more, begin to be accounted for, a person realizes the amount is normally higher than they first believed.

Disasters Covered

Renter's insurance covers renters from loss of personal effects from 17 + different disasters. Floods and earthquakes are generally not covered under this policy. The following is a list of a few of the disasters that are covered under renters insurance:

  • Fire & smoke damage
  • Wind, hail & lightening
  • Explosions
  • Falling objects
  • Riots & civil commotions
  • Damage by vehicles & aircrafts
  • Theft
  • Volcanic eruption
  • Weight of ice, snow & sleet
  • Water damage from utilities
  • Electrical surges
  • Vandalism & malicious mischief

Unlivable Conditions

If your rental home becomes uninhabitable due to any reason covered by your H04 insurance policy, your renter’s insurance will normally cover your additional living expenses. Usually, this means that they will pay for you to live somewhere else until your home returns to livable conditions.

Liability

Most renter’s insurance policies offer liability protection. This coverage protects you if someone in your home slips and falls and requires medical attention. You would be covered for any related costs, up to your liability limit. Also, if you are sued by this person, you are covered for the court judgment they win and related legal expenses up to your policy’s limit.

Actual Cash Value or Replacement Cost

You should be aware of whether the insurance company offers actual cash value (ACV) or replacement cost coverage for your property. ACV coverage will pay for only what the property was worth at the time that it was damaged or stolen. Replacement cost coverage will pay the amount it costs to replace the items in the current market, minus the deductible of course. Replacement cost coverage will cost more in premiums, but since it will also pay more if you ever have to file a claim, it can be worth the extra monthly expense.

Download a home inventory checklist (PDF).




Quote us!!
800-550-INSURE
www.savinjones.com




Posted 6:36 PM

Tags: dorchester insurance, 02125 renters insurance, 02127 tenants insurance, dorchester home insurance, 02127 home insurance quotes, dorchester renters insurance quotes, savin jones, savin jones insurance, bunker hill insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013

  • savin jones insurance(99)
  • savin jones(76)
  • dorchester insurance(45)
  • condo association insurance boston(21)
  • 02127 home insurance(20)
  • boston home insurance(18)
  • boston condo association insurance(18)
  • condo insurance(17)
  • dorchester home insurance(16)
  • 02127 condo association master insurance(15)
  • massachusetts condo association insurance(15)
  • 02127 auto insurance(15)
  • mass condo insurance 02125(14)
  • 02127 home insurance quotes(14)
  • dorchester home insurance quotes(13)
  • 02125 auto insurance(13)
  • 02125 homeowners insurance(13)
  • condo association insurance(13)
  • condo master insurance south boston(12)
  • south boston insurance(12)
  • 02127 car insurance(11)
  • south boston(11)
  • home insurance south boston(11)
  • dorchester ma auto insurance(11)
  • plymouth rock assurance(10)
  • auto insurance 02125(10)
  • 02125 car insurance(10)
  • dorchester auto insurance(9)
  • master condo insurance(9)
  • 02127 insurance(7)
  • car insurance ma dorcheater(6)
  • 02125 home insurance(6)
  • massachusetts homeowners insurance(6)
  • boston auto insurance(6)
  • auto insurance boston(6)
  • dorchester automobile insurance(6)
  • dorchester insurance master condo insurance(6)
  • dorchester ma insurance(5)
  • auto insurance boston ma(5)
  • condo association master insurance(5)
  • 02127 renters insurance(5)
  • new england patriots(5)
  • 02127 condo insurance(5)
  • boston cheep home insurance(5)
  • 02125 insurance(5)
  • savin jones insurance agency(5)
  • south boston renters insurance(5)
  • what is walls in coverage(5)
  • dorchester ma cheep car insurance(5)
  • insurance(5)

View Mobile Version
Logo
Social Social
Quick Links Home About Us Refer A Friend Contact Us
Location 22 Boston Wharf Rd | South Boston, MA 02210
Contact Ph: 617.474.9900Fx: 774.206.9224Email: info@savinjones.com
© Copyright. All rights reserved.