New Jersey Renters insurance coverage

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Renters insurance coverage

Renters Insurance

All Atlantic Insurance Agency in New Jersey can help you find out how to insure your rental home and belongings. Landlords carry insurance for their properties, but it won't cover your belongings, visitors, or damage. What if there's a fire or someone breaks into your home? Let's discuss renter's insurance and why you may need it.

What Makes a Home a Rental?

Simply put, you either own your home or rent it weekly, monthly, or annually from the landlord who owns it and the land it's located in. A rental property is a building or unit (a house, duplex, or apartment) you rent.

What Does Renters Insurance Cover in New Jersey?

Renters insurance in the Garden State covers liability, loss of use, personal property, and medical payments you have to make to others. New Jersey's renter's insurance is a homeowner's policy without structure coverage. Some New Jersey apartments require renters insurance - it's just a good idea.

What's Included in Personal Property Coverage?

New Jersey renter's insurance from All Atlantic Insurance Agency will cover some of your belongings if they are damaged due to no fault of your own, or stolen. This is called Personal Property Coverage and includes:

  • Clothes
  • Furniture
  • Electronics
  • Other property

Your belongings WILL be protected from:

  • Fire, smoke, or lightning
  • Explosion
  • Aircraft
  • Hail
  • Water damage
  • Riots
  • Snow, ice, and sleet weight

Your belongings WILL NOT be protected from:

  • Tidal surge flooding
  • Earthquakes
  • Freezing pipes
  • Pests
  • Nuclear hazard
  • Intentional destruction by a resident

All Atlantic Insurance Agency is happy to answer your questions about this to make sure you get the best value in your renter's insurance policy. If you're a renter, you can't count on your landlord to insure your belongings or provide another place to stay if there is a natural disaster. Start insuring your belongings and your home by talking to All Atlantic Insurance Agency insurance agent about your options.

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