Find peace of mind and protection with our “Renters Express” program.

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The “Renters Express” program is designed for Lehigh Valley renters.

About the program.

Life can be difficult, protecting your “stuff” shouldn’t be! Our “Renters Express” program can have you covered in as little as 20 minutes. Protecting your property, your identity, and providing you with peace of mind is what we do—and for as little as $2.59 per week! That’s right, replacement cost protection for your property, identity recovery coverage, and personal liability coverage delivered the same day for less than a cup of coffee per week! This program is designed to help with these coverage needs:

  • Furniture
  • Clothes
  • Entertainment (HDTV, Speaker System, Beats Headphones)
  • Laptops or Tablets
  • Recreation Equipment (Bikes, Snowboards, Musical Instruments, Game Consoles, Cameras)
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  1. Step 1Click hotspots.
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Renters
Personal Property
Risk Factor

Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.

Solution

Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.

Limits and Exclusions
Risk Factor

Some types of personal property are subject to limits of coverage under renters insurance policies. These limits vary by the type of property and by what caused the loss or damage. For example, jewelry, bicycles, collectible cards, and coins may have limited coverage or may not be covered.

Solution

Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.

Additional Living Expense
Risk Factor

If the building you live in has a loss from a covered peril under your renters insurance policy that makes your apartment or home uninhabitable, you will need to find somewhere else to live while the repairs are undertaken. This can be expensive and inconvenient.

Solution

Be sure your insurance policy includes additional living expense coverage. If you need to move out and rent another location, this coverage provides for the increase in living expenses–such as moving costs, increased food costs, and other expenses.

Liability
Risk Factor

You are responsible if you or a guest in your unit trips and falls or sustains an injury while on your property.

Solution

Be sure that you have adequate liability insurance to protect for claims made against you for bodily injury or property damage – such as a slip and fall or other allegation. Liability coverage also provides protection should you become legally liable for unintentional bodily injury or property damage anywhere in the world.

Medical Expenses
Risk Factor

You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.

Solution

Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.

Landlord
Risk Factor

You may not be able to rent the apartment or home if your landlord or property manager requires renters insurance and you do not have it.

Solution

Having a renters insurance policy allows you to provide a certificate of insurance to the landlord or property manager showing that you have the coverage required to rent the apartment or home.

Improvements or Betterments
Risk Factor

Any improvements or betterments that you have made to your unit are subject to damage.

Solution

Be sure to obtain coverage for improvements or betterments that you have installed in your apartment or home.

Contents Away from Home
Risk Factor

You may take your valuable property outside of your unit. For example, what happens if your laptop or golf clubs get damaged or stolen while traveling?

Solution

Be sure to add off premises theft coverage to your policy to cover your personal property while your belongings are away from your home. Auto insurance does not usually cover personal property stolen from your car.

Premises Liability
Risk Factor

You may be responsible for damage to your apartment or dwelling should you, for example, have a leaking sink or accidentally start a fire.

Solution

Be sure your policy has liability coverage that includes tenants legal liability or premises liability. Your landlord may require that you to have this type of insurance protection in place as a requirement before renting the property to you.

Options for a companion car insurance policy.

Combining your car insurance with our “Renters Express” program can mean big savings on your insurance bill. Placing your renters and car insurance with the same carrier can save you up to an additional 15% on our already low auto rates.

  • Disappearing deductibles.
  • Protection for your pet.
  • Replacement cost protection for cars two years old or less.
  • Accident forgiveness.
  • $0 Deductible for your windshield claims (and we’ll even throw in new wipers when the windshield is replaced).
  • Great rates for your motorcycle.
  • Are you a rideshare driver? We have programs for you too!

Whether you rent a home or a studio apartment, consider our “Renters Express” program to help you find peace of mind and protection. Contact us to go through your options.

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“Renters Express” Program Quote Request

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