A Three Story Apartment in Richmond Vriginia

Tenants Insurance

Waht is Tenants Insurance?

Your landlords insurance policy is not enough. It most likely ONLY covers the building you live in. Not your personal belongings.

  • Categories: Personal
  • Also Known As : Renters Insurance, Apartment Insurance, HO4, Personal Property Insurance
  • Springer University Videos for Tenants Insurance

    Renters Insurance

    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 Springer Insurance help you find coverage options that protect you, your family, and your personal property. Call us at 804-739-9500 and let us help to make sure you're properly covered.

    What you need to know about renters insurance

    Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home. For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.

    Protect yourself and your guests

    Your renters insurance policy protects you and your family against certain bodily injury and property damage claims for which you are liable. Legal defense is also provided in the event you are sued after a covered loss, subject to the limits you have selected. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available. Let Springer Insurance help you find the right amount of coverage to suit your insurance needs Virginia Call us today at 804-739-9500

    Get the right amount of insurance coverage at the best price

    Whether you're starting out, between homes or downsizing, Springer Insurance will help you pick the renters insurance coverage that best fits your needs. Give us a call today at 804-739-9500 and get covered. Be sure to ask about available discounts including burglar alarm credits and the account credit for customers who package auto policies with their renters policy.

    Extra coverage doesn't have to cost a lot

    Whether you're starting out, between homes or downsizing, we will help you pick the renters insurance coverage that best fits your needs. If you have special valuable items such as jewelry, art, antiques or collectibles, ask about our Valuable Articles option which provides broader coverage and no deductible in the event of a covered loss.

    Why Richmond?

    Richmond is an important local market for The Springer Agency because it includes Richmond homeowners and businesses with insurance needs that are not always handled well by a basic online quote. Risks in this area can involve historic homes, urban property, restaurants, nonprofits, rentals, and commercial exposures. The Springer Agency helps clients review homeowners, auto, umbrella, business, farm, boat, or specialty coverage depending on how the property, vehicles, and household are actually used. The Springer Agency can help Richmond homeowners and businesses compare multiple insurance carriers, review replacement cost, liability limits, deductibles, water backup, roof settlement terms, and other coverage details before a claim happens. Because every neighborhood and property type is different, The Springer Agency’s independent approach gives clients in Richmond a practical way to match coverage to real local risks.

    FAQ coming soon.

    Tenants Insurance Available in:

    • 23112
    • 23113
    • 23139
    • Amelia
    • Blackstone
    • Bon Air
    • Bracey
    • Brandermill
    • Charlotte Courthouse
    • Chesdin Landing
    • Chester
    • Chesterfield
    • Dinwiddie
    • Farmville
    • Goochland
    • Hallsley
    • Hanover
    • Harbour Pointe
    • Henrico
    • Isle Of Wight
    • Kenbridge
    • Keysville
    • Magnolia Green
    • Mecklenburg
    • Midlothian
    • Petersburg
    • Powhatan
    • RVA
    • Richmond
    • Scotts Addition
    • Short Pump
    • South Hill
    • Tarrington
    • Victoria
    • Williamsburg
    • Windsor Farms
    • Woodlake

    How do I insure the home I rent

    This is probably one of the easiest polices to start. There are only a few questions you need to answer!

    How much stuff do you have and what happens if you get sued?

    First - Personal Property. How much stuff do you have in your home? Imagine you shake your apartment upside down. The policies goal is to replace all of that stuff. So you need to give us a number of what that would take. Easy!

    Second, how much liability do you need? What happens if a guest trips on your rug? What happens if your dog bites the neighbor? What happens if your frisbee breaks a window?

    While other agents start with $50,000 or $100,000, we start with $300,000 and are most always going to offer you more... you never know and that's why we offer more.


    Insurance Terms to Know

    Escrowed Insurance

    Escrowed insurance is premium collected and paid through a mortgage escrow account.