New Jersey Renters Insurance Information

We offer affordable renters insurance policies that have flexibility to meet
your individual needs and above all, provide you with the security that comes
only from the knowledge that your home is safe. If you live in an apartment or
a rented house, a New Jersey renters insurance policy covers you and your
possessions. A standard renters insurance policy protects your personal
property in many cases of theft or damage, and may pay for temporary living
expenses if your rental is damaged so seriously you can't live in it.

It can also protect you from personal liability.

The standard renters insurance policy covers the actual cash value of personal
property. Payments are based on the replacement cost of the property minus a
deduction for physical depreciation and obsolescence. If you add replacement
cost coverage (for an additional premium), the insurance company will pay one
of the two amounts below, whichever is lower?

1. The cost to replace the property with a similar type and quality
of property without a deduction for depreciation.

2. The full cost to repair at the time of the loss.

Renters insurance policy is a popular form of personal insurance and
usually contains four sections: C, D, E, and F:

Coverage C - protects your personal property, (e.g. furniture, CDs,
stereo and clothes). You choose a dollar amount limit (what you think
your possessions are worth) when you purchase a New Jersey renters
insurance policy.

Coverage D - covers loss of use - the expenses you face when your
apartment can't be used due to an insured loss. This is usually 20% of
your personal property limit.

Coverage E - covers your personal liability claims and suits for bodily
injury or property damage. You choose this limit when you buy the
New Jersey renters insurance policy.

Coverage F - pays for medical expenses for minor injuries to others
even if you were not at fault. The policy normally includes limits of
$1,000 per person.

A New Jersey renters insurance policy covers "named perils" listed
on your policy and usually include the following:

Theft, Fire or Lightning, Windstorm or Hail, Explosions, Riots, Aircraft,
Vehicles, Smoke, Vandalism, Falling objects, Weight of ice, snow, or sleet,
Accidental discharge or overflow of water or steam, Sudden and accidental
tearing apart, cracking, burning, or bulging, Freezing, Sudden and accidental
damage from artificially generated electrical current , Volcanic eruptions
(doesn't include earthquake or tremors)

Click on the link below to fill out a secure quote request form for a New
Jersey Renters Insurance policy that will provide excellent personal
insurance coverage at an affordable cost. Or you can speak with our
New Jersey Renters Insurance Agent specialist at 609-403-2018 to
discuss the features.

We are your local central New Jersey insurance agency, offering
affordable Renters Insurance policy premiums in the following cities
and counties: Trenton, Ewing, Slackwoods, Ewingville, Bakersville,
Lawrenceville, Mercerville, Hamilton Square, Yardville, White Horse,
Groveville, Bordentown, Washinton Crossing, Marshalls Corner,
Princeton, East Windsor, South Brunswick, Plainsboro, Linvale,
Harbourton, Mount Airy, Blawenburg, Hopewell, Kingston, Rocky Hill,
New Sharon, Chesterfield, Hamilton, Georgetown, Allentown,
Fieldsboro, Hedding, Roebling, Columbus, Jacksonville, Chambers
Corner, Wrightstown, Mount Holly, Monmouth, North Brunswick,
Deans, Stanton Station, Willingboro, Cherry Hill, Newark, Montclair,
Orange, Bloomfield, Jersey City, Kearny, Elizabeth, Paterson, Belleville,
Nutley, West Orange, Clifton, Passaic, Rutherford, Garfield, North
Bergen, Livingston, Caldwell, Mercer County, Middlesex County, Essex
County, Passaic County, Hudson County, Bergen County, Morris
County, Camden County, Hunterdon County, Burlington County,
Monmouth County and Ocean County, NJ. We also offer affordable
Renters Insurance services in the remainder of New Jersey and the
Philadelphia, PA metro area.