Kostengünstige Mieterversicherung zum Schutz Ihrer Interessen

 

Kostengünstige Mieterversicherung zum Schutz Ihrer Interessen

• Die Mieterversicherung gilt speziell für den Inhalt Ihrer Mieteinheit, nicht jedoch für das Gebäude selbst.
• Im Gegensatz zur Hausratversicherung sind die Prämien für die Mieterversicherung äußerst günstig.
• Bei einigen Versicherungsanbietern können Sie Ihre Mieterversicherung genau an Ihre Bedürfnisse oder Ihr Budget anpassen.

Während Hausbesitzer immer eine Hausversicherung abschließen sollten, um ihr größtes Vermögen zu schützen, was ist mit den Millionen Amerikanern, die lediglich zur Miete wohnen? Glücklicherweise gibt es ein Produkt namens Mieterversicherung, das diese Lücke schließt. Sie können das physische Gebäude oder die gemietete Wohnung zwar nicht versichern – das muss der Eigentümer tun –, Sie können aber dennoch den Inhalt versichern. Das bedeutet Ihre Möbel, Kleidung, Elektronik und andere persönliche Gegenstände. Um eine eigene Mieterversicherung abzuschließen, suchen Sie online nach Unternehmen in Ihrer Nähe, die diese anbieten.

Das Beste an der Mieterversicherung ist, dass sie extrem günstig ist. Die meisten Standardpläne kosten weniger als 20 US-Dollar pro Monat. Es ist eine lohnende Investition für den Fall, dass Ihr Nachbar im Obergeschoss versehentlich Ihre Wohnung überschwemmt oder eine andere Tragödie Ihr Zuhause heimsucht. Suchen Sie online nach den verschiedenen Arten des Mieterversicherungsschutzes und den geschätzten Preisen.

Progressive

Progressive is an insurance giant in the United States. Unlike some competitors, they provide insurance in all 50 states. The average cost of a renters insurance policy from Progressive is $19.52. It’s on the higher end of the scale, but it might be worth the extra few bucks. If you can bundle your car or life insurance along with it, you’ll save a bit more on all your policies.

Progressive also offers a variety of discounts, including:

• Paying for the full year up front;
• Opting for e-billing;
• Living in a gated or secured community, or;
• Even getting a quote more than three days before the policy’s required start date.

You can also tack on some extra riders to your Progressive renters insurance. They offer additional coverage for water/plumbing backups, earthquake damage, and even personal injury.

State Farm

State Farm is another fully national brand, available across the entire country. They also offer some of the lowest-cost renters insurance we could find, averaging just $8.63 per month for a standard policy. Although State Farm didn’t offer as many discount options as their competitors, we can reasonably argue they don’t have to. Not at those low prices.

State Farm is known for it’s excellent customer service via phone. Unfortunately for millennials who hate using the phone, their online customer service isn’t quite as good.

Like most insurance companies, you can save some additional money if you bundle other insurance policies together with your renters insurance. State Farm also offers additional coverage for things like waterbeds, identity theft protection, and high-value personal property.

Amica

A renters insurance policy at Amica can be as low as $4 a week. Even better, the standard deductible is only $100. That’s one of the lowest renters insurance deductibles we found anywhere. Their standard policy includes limitless personal property coverage. As such, it will cover everything you own in your rental — no matter how much or how little that is.

Amica offers additional discounts for those who are claim-free, bundle their auto insurance, or opt for paperless billing and autopay. Plus, there’s a loyalty discount if you’re a customer for longer than two years. Amica also offers additional coverage for smart devices and personal electronics, identity theft protection, and replacement cash value personal property options.

Assurant

Assurant is another popular choice for renters around the country. With an average standard monthly premium of about $11.75, it’s easy to see why. Assurant is also known for it’s quick, easy, and straight forward online sign up process. The only real downside for some may be that their customer support is primarily over the phone, and not online.

Assurant offers discounts for those with clean claim histories and to renters with safety features in their homes. We’re talking things like security cameras, camera doorbells, or full alarm systems. Like many other renters insurance options, Assurant offers additional coverage for things such as identity theft, replacement cash value personal property coverage, and sewage backup.

Toggle

Toggle might not be for everyone, but it’s still an interesting choice for renters insurance. For starters, it’s only available in 25 states for now. On the other hand, it’s highly customizable and incredibly cheap. The average monthly premium for Toggle renters insurance is just $8.50. It can even drop below $5 per month, if you choose a plan with the highest deductible of $1,000.

You can also set your personal property coverage to $0 for an even cheaper premium. However, that somewhat defeats the largest reason most people buy insurance, which is to protect their stuff.

Toggle, which offers their services entirely online, offers additional coverage for things like pet damage, provides insurance for business property of side hustles, and can even lump your partner/significant other and their things into your policy.