How to Choose the Right Renter’s Insurance

Choosing the right renters insurance

Choosing the right renter’s insurance in Reading, PA to suit your needs and budget.

When you rent an apartment, house, or condo, you may be shocked to find out that your landlord is not responsible for your personal belongings if they’re stolen or damaged.

Fortunately, if a peril occurs, such as a fire, theft, or natural disaster, renter’s insurance is there to help repair and replace your belongings. Also, insurance provides liability coverage if someone is injured when visiting your home and decides to land you with medical expenses and a lawsuit. In short, what more could you ask for in an insurance policy?

While searching for the best renter’s insurance for you and your well-loved abode, be sure to ask these questions before settling on a coverage:

What’s covered? Most insurance policies cover personal belongings: furniture, clothing, jewelry, electronics, and appliances, but only up to your policy limits. Be sure to update your inventory list of all of your personal possessions along with their estimated value. This speeds up the claims process so that you’re reimbursed for any losses.

Do I need additional coverage? Standard policies may limit coverage for valuable items such as jewelry, furs, collections, musical instruments, and expensive sporting equipment. For these, you may need a separate policy or a rider.

When am I covered? Your policy should note if you are covered in losses such as theft, fire, smoke, explosions, and water damage from leaky pipes. Storm and flood coverage may vary, but typical renter policies do not cover damages from flood and earthquakes. For this coverage, you’ll need separate policies.

How much liability coverage do I need? Renter’s insurance typically provides liability protection that pays for the cost of defending you in court but only up to the limit of your policy. Make sure that your limit is not too low as you may exceed this from a lengthy or expensive case.

Is there a way to save on renter’s insurance? If you’d like to pay less for your renter’s insurance, consider insuring your car or personal watercraft with the same carrier as this often results in a multi-policy discount – and it means less internet searching for you!

Skip the search of selecting the most reliable renter’s insurance policy for your needs. Contact Insurance Offices Ltd., located in Pennsylvania and serving neighboring cities in Reading, PA.



    Selecting your motorcycle is a big decision. Protecting your motorcycle is easy.


    We believe life’s better in a classic
    We have a feeling you do too.
    We have your Classic Vehicle covered.


    We make sure that you enjoy your time on
    the water without having to worry about
    what could go wrong.


    Your new RV comes with a responsibility
    to protect and secure it from the
    dangers of America’s roadways.


    We can provide different
    types of off road vehicle insurance
    to cover different types of vehicle needs.


    It’s natural for new parents
    to worry about their newly licensed kids.
    We’re here to help you feel secure.

  • “There are several very angry co-workers of mine that are getting the run around with their agents and insurance carriers and are very jealous of how nice mine has been. You made everything go smoothly.”

    Colleen DeLongPA
  • “It really pays to have a local agent and not an internet insurance company that doesn’t even know you when you run into problems. Thank you for your excellent work.”

    Nancy JonesRE/MAX of Reading, Wyomissing, PA
  • “I prefer to keep my important business interactions local and with professionals I know and trust. The Insurance Offices have been there for me for almost 25 years and as a business professional myself, I value a company that truly makes ‘Insurance Simple.’ ”

    Frank J. Jroski, Jr. Crane Runway Division, Leesport, PA