Illinois Renters Insurance

Are you a student at Northwestern living in an off-campus apartment? Do you rent a townhouse in a suburb of Chicago? Maybe you've leased a two-bedroom house in Joliet? No matter where you live, an Illinois renters insurance policy has you covered. And, it's more affordable than you think. Get a free, no-obligation quote today!

Over one and a half million people rent their homes in Illinois, but according to a recent survey from the Independent Insurance Agents and Brokers of America (IIABA) nearly 65 percent of them don't have renters insurance. Don't be one of them. An Illinois renters insurance policy is an inexpensive way to protect you and your property should disaster strike.

Renters Insurance Is Affordable

Some people don't bother to look into renters insurance because they're afraid it's just too expensive. But, the average Illinois renters insurance policy is around $200 a year. For less than $20 a month, your belongings are protected from fire, hail, theft, windstorm, smoke, freezing and other named perils.

Consider the cost of not having a policy. If your home should be destroyed by fire, would you be able to replace the contents? How much would it cost to replace your TV, stereo, DVD player, computer, clothing and furniture? Could you afford that sort of out-of-pocket expense if you lost it all? Depending on the type of policy you purchase, an Illinois renters insurance policy will reimburse you either the actual cash value or replacement cost value of your lost property. Personal property protection for a standard policy ranges from $15,000 to $100,000.

Think You're Already Covered? Think Again.

Many people mistakenly think that their landlord's homeowners policy will cover them for any damages. But, it doesn't. The landlord's policy insures the structure, but not the contents. That's where an Illinois renters insurance policy comes in.

If you're a college student living in off-campus housing, your parent's policy probably doesn't cover you. Could you afford to replace all of your electronics (laptop, iPod, Xbox) if they were stolen? An Illinois renters insurance policy is an inexpensive way to make sure you don't have to.

And, if someone should hurt themselves while in your home, your policy will help cover the cost of medical expenses and potential legal fees.

Get a free, no-obligation quote from Homesite today!