Renters Insurance Frequently Asked Questions

1. What does renter’s insurance cover?

You may not have given much thought to renters insurance, but you're just as much at risk of loss to fire, theft or storms as you would be if you owned a home. And unfortunately, your landlord or apartment owner's insurance probably won't protect you. By enrolling in the National General renter’s insurance plan, you automatically buy protection for:

• the belongings inside your rental property like furniture, electronics and clothing

• personal liability like bodily injury or personal property damage sustained by someone visiting you

And that’s not all. National General Insurance offers renters invaluable benefits like Loss of Use Coverage, which provides financial protection if you are forced to temporarily move during a covered claim. Simply put: we pay any additional expenses incurred if your rental property is damaged or destroyed. Being displaced is hard enough; you shouldn’t be concerned with having to pay for additional living expenses.

2. Is personal liability insurance included in my renter’s policy?

Personal liability coverage comes standard with most renters’ insurance policies. Say for instance someone injures themselves while out on your apartment balcony; you could be financially responsible. Investing in renters’ insurance can protect you in situations like this that could result in bodily injury or personal property damage claims. Just a few extra dollars a month toward your renter’s policy could essentially save you from financial disaster down the road.

3. How much renter’s insurance do I need?

The type and amount of coverage you need depends on:

• the specific type of residence you rent

• safety and security features of the property

• the value of your personal belongings

• your personal finances

National General Insurance offers custom insurance plans for renters from all walks of life – from college students, to residents of starter apartments and even large apartment homes. And that’s not all. By enrolling in a renter’s policy with National General Insurance, you have access to other value-added benefits like personal liability insurance and endorsements for high-value personal property. Jewelry, collectibles, and fine art, for example, can be properly protected when scheduled into your homeowners policy.

And remember, since your situation changes over the years, the right amount of coverage for you could also change over time. To make sure you are properly protected, National General always recommends evaluating your coverage needs on a regular basis.

4. Is it possible to lower the premium on my renter’s insurance?

The first priority of The National General Renter’s Insurance Program is to protect your home and your property. With just a few simple steps, you can increase the safety and security of the property you rent, and in some cases, lower your premium. Here are some of the products and ideas we recommend that could decrease your premium:

• Security systems

• Smoke alarms

• Sprinkler systems

• Deadbolt locks

National General Insurance has earned an A+ financial strength rating from AM Best, as well as the backing of the Better Business Bureau, so it’s no wonder thousands of customers like you entrust us with your renter’s insurance needs. But did you know that we also offer auto and motorcycle insurance? By combining your renter’s policy with any of our other products or services, you have an additional opportunity to save as much as 20%!