Young & Associates Insurance specializes in Renters Insurance in Duluth, Superior, Hermantown, Proctor and surrounding areas in Minnesota and Wisconsin.
Looking for coverage? Quickly and easily submit an application for a renters insurance quote! We will design a custom, comprehensive protection program to fit your unique needs...always looking for the best value.
With renters insurance, you will be able to replace what is damaged or stolen.
Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm and water damage from plumbing.
However, renters insurance does not cover floods, earthquakes or routine wear and tear. You can, however, buy separate policies for flood and earthquake damage.
Every renters living situation is unique and you should have a policy tailored to meet your specific needs. Young & Associates Insurance will build a policy that adequately protects you and your belongings in Duluth or throughout the surrounding areas in Minnesota or Wisconsin.
If you are forced out of your home because of a disaster, your additional living expenses will be covered.
Renters insurance pays the reasonable additional costs of temporarily living away from your home if you can't live in it due to a fire, severe storm or other insured disaster. It covers hotel bills, temporary rentals, restaurant meals and other living expenses incurred while your home is being rebuilt. Coverage for additional living expenses differs from company to company. Talk to your Young & Associates Insurance agent in detail about this important coverage so you know exactly what's included and what is not in the policy you have chosen (most companies offer higher coverage limits for an additional cost).
Renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court.
How do you decide how much insurance you need?
Add up the cost of everything you would want to replace if it were damaged or stolen. This could also serve as the basis for an inventory that will make filing a claim easier. For an inventory, also record model numbers, dates and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in a safe place away from your home.
If you rent an apartment or house, you need insurance to protect your belongings. While your landlord might have insurance, it only protects the building. Your belongings are not covered under those policies. Contact Young & Associates Insurance to start protecting yourself and your belongings today!