(Closed) Renters insurance-who do you use?

posted 5 years ago in Home
Post # 3
Member
26 posts
Newbee

I use Progressive. Mostly because I needed proof of insurance immediately and I waited a little too late to get it anywhere else… oops!

Anways, I haven’t had a single problem with them and the rate is very reasonable. I also liked that I didn’t have to work with an agent and wait for a callback to get a quote. They gave me an immediate quote online and my coverage began the very next day. When I needed to switch the address of my coverage I simply emailed them and within a day they had a new policy ready for me. 

And another positive note, unlike when searching for car insurance, I never get any spam calls from agents every month because I didnt follow up after the quote. 

Post # 5
Member
3429 posts
Sugar bee
  • Wedding: June 2013

@sheepandbear:  Get a quote from your car insurance carrier, they usually give discounts for multiple policies. Renters insurance is fairly inexpensive so you should be able to find a Decent rate. 

Post # 6
Member
1572 posts
Bumble bee

@Birdi:  +1

 

I have also recently discovered the value in an independent insurance agent – they basically research and find cheap rates for the coverage you want. It is free to you and they are able to do a much broader search than you can usually do on your own online. An agent was able to find homeowners insurance for much cheaper than the company affiliated with my car insurance company, even with the multi-policy discount!

 

Post # 7
Member
904 posts
Busy bee
  • Wedding: September 2015

My Fiance and I have renter’s insurance through American Family; we also use them for car insurance.  Honestly, I didn’t bother calling around for quotes.  My family has used the same agent in my hometown for as long as I can remember, and I wanted that relationship.  Our renter’s insurance is less than $100 a year.  You can adjust the amount of coverage you get, and add on “personal property” riders for things like expensive jewelry (i.e. engagement ring).

Post # 8
Member
3429 posts
Sugar bee
  • Wedding: June 2013

@dreamocracy:  Yes! Exactly..insurance is competitive. 

Post # 9
Member
9955 posts
Buzzing Beekeeper
  • Wedding: December 2012

Agree with Birdi:  start with whomever insures your Cars… as you already are a Customer they may be more inclined to want to give you a good rate to expand their business (that old saying “Easier to Keep Old Customers… than attract NEW ones”

As well approach an Independent Insurance Broker and see what they can come up with as well.

In the long scheme of things, as a Renter… Insurance isn’t crazy money… and well worth it.  And in many cases your Renters / Home Owners Policy will also cover things like your ERing… either under the policy coverage, or with a Rider.

Hope this helps,

 

Post # 10
Member
2515 posts
Sugar bee
  • Wedding: December 2011

we have AAA. we have them for car insurance so we get a discount for having renter’s insurance through them also.

Post # 11
Member
8453 posts
Bumble Beekeeper
  • Wedding: April 2013

@sheepandbear:  We used state farm and we are now using them for our homeowners insurance.  We recently had a toilet break in our house and they’ve been awesome about covering our repairs.

Post # 12
Member
2808 posts
Sugar bee
  • Wedding: September 2014

i used allstate. that’s who the student housing community “required” us to use. i cancelled the policy because we are moving, but the coverage was acceptable. we never had to actually use it, but it was reasonably priced for the amount of coverage we got.

Post # 13
Member
2515 posts
Sugar bee
  • Wedding: December 2011

@sheepandbear:  i was in a hurry when i replied yesterday and didn’t answer all your questions. we have AAA. we called them and paid over the phone so we were insured instantly. it costs about $140/year so it’s really cheap and our coverage is for up to $15000 (which more than covers all of our stuff. we had state farm for awhile and they worked the same way- as soon as we paid, we were covered.

Post # 14
Member
3226 posts
Sugar bee

We have car and renter’s through Amica. Including the the insurance for our rings, it comes out to $20/month.

Post # 15
Member
457 posts
Helper bee
  • Wedding: February 2013

State Farm.  I have auto insurance with them so it was just easier and cheaper to link the two together. My husband’s car is now on the same policy too.  

Post # 16
Member
543 posts
Busy bee
  • Wedding: May 2015

Fiance has his car insurance and our renters insurance through Allstate. They’ve been great so far. No complaints. 

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