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Renters Insurance

Alabama Renters insurance

Athens Renters Insurance Options

You have a lot of things that are important to you—from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you’ve worked for is not at risk. Let us help you find renters insurance coverage options that protect you, your family, and your personal property.

Protect the Things that Matter to You

You can choose to include personal property protection in your renters insurance policy, which can travel with you wherever you are in the world. Some policies will even pay the full replacement cost of your things that were damaged or stolen without deduction for depreciation, up to the limits and deductibles you select.

Protect Yourself and Your Guests

Your renters insurance policy can protect you and your family against bodily injury, property damage claims, and litigation up to the limits you select. And if a visitor is injured on your rental property, or by you or a household member, a policy can pay covered medical expenses, up to the limits you select.

Get the Right Amount of Renters Coverage at the Best Price

Whether you’re starting out, between homes or downsizing, we will help you pick the Athens renters insurance coverage that best fits your needs. Ask about discounts for burglar alarms, and for having multiple policies, like your renters and auto insurance both with the same insurance company.

Extra Coverage Doesn’t Have to Cost a Lot

We can also recommend other coverage that you may want to add to your renters insurance policy. Many people supplement their renters insurance with personal umbrella liability insurance for broader protection. And if you have special possessions such as jewelry, art, antiques, or collectibles, ask about scheduled personal property coverage that comes with no deductible when you experience a covered loss.

Ready to find out more? Ready to buy?

Renters Insurance

A form of insurance that covers a policyholder's belongings against perils such as fire, theft, windstorm, hail, explosion, vandalism, riots, and others. It also provides personal liability coverage for damage the policyholder or dependents cause to third parties. It also provides additional living expenses, known as loss-of-use coverage, if a policyholder must move while his or her dwelling is repaired. It also can include coverage for property improvements. Possessions can be covered for their replacement cost or the actual cash value that includes depreciation.

Replacement Cost

Insurance that pays the dollar amount needed to replace damaged personal property or dwelling property without deducting for depreciation but limited by the maximum dollar amount shown on the declarations page of the policy.

Deductible

The amount of loss paid by the policyholder. Either a specified dollar amount, a percentage of the claim amount, or a specified amount of time that must elapse before benefits are paid. The bigger the deductible, the lower the premium charged for the same coverage.

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Our Insurance Companies

Safeco Insurance

Pepper, Johnstone & Company, Inc.

Our location

122 W. Market Street
Athens, AL 35611
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(P) 256-232-7818 | (F) 256-233-2030
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