Renters Insurance in Middle Tennessee

Protect Your Belongings with Comprehensive Renters Insurance

If you rent an apartment, house, condo, or dorm room, you might not realize the importance of having insurance. In the event of fire, theft, or vandalism, your landlord likely won’t cover the cost to replace your belongings.

At Steven Tate Insurance Agency, we understand the value of your personal property and the memories they hold. That’s why having a Renters Insurance policy is crucial. This insurance can cover the cost of replacing your belongings if they are damaged in a covered incident or stolen.

Types of Coverage: Actual Cash Value (ACV) vs. Replacement Cost

Depending on your policy, renters insurance can reimburse you in two ways: Actual Cash Value (ACV) or Replacement Cost. ACV coverage insures your belongings for their current market value, while Replacement Cost coverage pays to replace your items with new ones.

Additional Coverage Options

Renters Insurance also includes Liability Coverage to protect you from injury claims occurring in your home. If someone gets hurt on your property, your insurance can cover medical expenses and legal costs if you are sued.

In case a fire or other damage makes your home uninhabitable, renters insurance may cover the cost of temporary housing, ensuring you have a place to stay during repairs.

Customized Policies to Fit Your Needs

At Steven Tate Insurance Agency, we are committed to creating a renters insurance policy tailored to your needs and budget. Our goal is to ensure you have the coverage you need at a price you can afford.

Contact Us Today

Don’t leave your personal property unprotected. Contact Steven Tate Insurance Agency in Brentwood, TN, to discuss your renters insurance options and find the right policy for you.