What to Consider When Buying Renters Insurance

inside of an apartment

How to find the right renters insurance for your needs.


When you’re on the hunt for renters insurance, you may discover that there is a no one-size-fits-all policy. That’s because everyone’s needs, risks, and belongings are unique. To help you find the right coverage to suit your needs, take a look at what you should consider.


  • Evaluate your coverage needs

A great way to understand how much coverage you will need to buy is to take a home inventory. Make a list of all of your belongings along with their value. Once you have a final figure, you know you should purchase at least that amount of coverage.


  • Understand exclusions

While renters insurance can cover a lot of situations and disasters, every policy has its limits. Ask your insurer what your policy does not cover so that you can be prepared to add on coverage as needed. For example, flood damage, earthquake damage, and a home business are often excluded from cover.


  • Tell your roommate

If you’re taking out renters insurance, let your roommate know. Be aware that your renters policy will only cover you and your belongings. In this case, your roommate will need their own separate coverage to be protected.


Renters insurance is a consideration for all renters. Ensure that you have the optimum coverage by visiting the professionals at Gee-Schussler Insurance Agency. Our team is here to help you protect your home in Orland Park, Illinois.