Morrow Insurance and Professional Services

Renters Insurance

Renters Insurance Coverage
If you rent an apartment, house or even a dorm room, you need renters insurance to protect you and your rental property. The Morrow Insurance Agency can offer you affordable renters insurance with coverage that is tailored to fit you and your lifestyle. Get a renters insurance quote.

Protect yourself with renters insurance

Your landlord's insurance policy doesn't cover your belongings. So if fire, theft or weather damages your property, you'll need the protection of renters insurance.

Renters insurance also protects you if an accident happens at your home. Our carriers renters insurance can pay if you're liable for damages to others' property. It can also pay if injuries occur at your residence and help with the cost of legal defense. Even the cost of a small accident adds up quickly. Make sure you're protected with the right renters insurance from The Morrow Insurance Agency.

Renters Insurance Coverage

Renters insurance policies typically provide basic protection for your property. But they may not provide all of the protection you want or need. Consider these renters insurance coverage options and tailor a policy that's right for you.

Personal Liability
Covers bodily injury and property damage to others caused by your actions and/or negligence.

Medical Payments (Med Pay)
Pays for others' medical expenses resulting from an accident on your property. This coverage will not apply to you or regular residents of your household.

Extended Replacement Cost on Contents
Pays to replace or repair personal property without depreciation being taken from the value of the property.

Water Backup
This coverage protects you against losses caused by water that backed up through sewers or drains. (This is not flood insurance.)

Ordinance or Law
Pays for increased expense to rebuild due to current building codes or ordinances.

Credit Card
Pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card. This coverage also applies to forged checks and counterfeit money.

Jewelry, Watches, Furs
Pays for the physical loss of jewelry, watches, furs, and precious and semiprecious stones.

Firearms
Pays for the physical loss of firearms and accessories.

Extended Replacement Cost
Pays full replacement costs without depreciation for covered personal property losses.

Personal Injury Liability
Provides coverage for damages awarded to others due to injuries such as false arrest, libel, slander and invasion of privacy for which you are responsible.

Theft Extension
Provides extended protection for your personal belongings stored away from your home in or on any motor vehicle, trailer or watercraft.

Earthquake and Volcanic Eruption
Pays for losses to your property caused by earthquake or volcanic eruption.

Building/Additions/Alterations
Pays for damages to additions, alterations, fixtures, improvements or installations that you make to your residence.

Loss of Use
Provides reimbursement up to the limit specified on the policy for additional living expenses resulting from being unable to live in your home.

Money
Pays for the physical loss of money, bank notes, bullion, gold other than goldware, silver other than silverware, platinum, coins and medals.

Hurricane
Provides coverage for property damage resulting from a hurricane. However, this coverage may be subject to special terms, conditions and deductibles in coastal states.

Windstorm or Hail
Provides coverage for property damage resulting from windstorms, hail and tornados.

Securities
Pays for the physical loss of securities, accounts, bills, deeds documents, evidences of debt, letters of credit, notes other than bank notes, passports, stamps and tickets.

Renters insurance is affordable

Renters insurance is surprisingly affordable. The Morrow Insurance Agency will tailor your coverage so that you get the insurance you want at a price you can live with.

Discounts for affordable renters insurance

Our carriers offer a variety of ways to save even more on your renters insurance.
We offer discounts for:

Monitored fire and burglar alarms
Local ultrasonic burglar alarms
Dead bolt locks on all exterior entryways
Fire extinguishers
Sprinkler systems
Renters insurance combined with auto insurance or other same carrier policies

Renters Insurance Discounts

Save on your renters insurance when you qualify for any of the below renters insurance discounts.

Home and car discount
*Combine and save. Get up to a 20 percent discount on your renters policy when you insure your car and home with the same carrier.

Protective device discount
*Get up to a 15 percent discount if your home has smoke detectors, fire alarms, burglar alarms or other qualifying devices.

Claims-free discount
*Get up to a 20 percent discount when you stay claims-free.

*Discount percentages are not applicable with all insurance carriers.