Allstate Renters Insurance – Discount Programs

Renters insurance is one of the most overlooked insurances known. Many tenants think it is their landlord’s responsibility to carry insurance on their personal property but they would be remiss to think this. It is the responsibility of the tenants to carry coverage for their contents in a rental home or apartment. In many cases this includes liability insurance as well as fire, water and theft coverage. Allstate renters insurance is a well established company that offers you the coverage you need that is affordable to everyone. Consider the cost of replacing your personal belongings and then compare that cost to the cost of an Allstate renters insurance policy.

Allstate renters insurance offers you several levels of protection.

Personal property protection covers loss or damage to your property. Family liability protection provides you with legal representation and protection against judgments. Guest medical protection covers medical expensed associated with an injury by a visitor. Additional living expenses will reimburse you for costs associated with temporary housing during the reconstruction of your home or apartment. All of this is covered by a typical Allstate renters insurance policy.

You have a choice of coverage when you buy your policy as well.

You can purchase replacement coverage which allows you to receive the full purchase price of any lost items. This is good for items such as computer equipment, bedding other furniture that depreciates rapidly. You can also buy high value item coverage which extends your protection beyond the basic policy limits. Many of the renters insurance policies have a limit on the amount of property they will cover. The high value item coverage will extend that coverage to include items such as artwork, jewelry or other high dollar property you may have. You may also want to consider purchasing national flood insurance if you live in a flood prone area.

Allstate also offers you a discount program.

This is a program that combines your auto insurance, life insurance, renters insurance and any other policies you may have to offer you discounts on your premiums. In addition to this you can save on premiums if you meet certain criteria such as having protective devices and discounts for individuals who are 55 years of age or older. For multiple policies you can save up to 15% depending on the type of home and the state you live in. Protective devices can give you another 15% discount depending on the type of devices involved and your age can get you an additional 10-25% discount.

Allstate renters insurance is easy to apply for.

Simply go online and visit the Allstate insurance website, fill out the application, request an instant quote and purchase your policy. It is just that simple. You will find that no other company will beat the rates that Allstate offers with your instant quote. Of course your rates will depend on the amount of insurance you request and the type of coverage you choose. If you don’t have a computer to get your quote online from, you can always call your local agent for a quote any time.